Home Insurance in Camp Crook, South Dakota
With a median home value of $66,300, Camp Crook is 60% lower than the Harding County median.
The typical home in Camp Crook was built around 1977. About 35% of homes were built before 1960, about 4 points below Harding County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Camp Crook is 42% single-family homes and 56% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in Camp Crook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Camp Crook are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Camp Crook - 75% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Camp Crook? FEMA's National Risk Index points to wildfire (Relatively Low) in Harding County and Harding County has no active NFIP flood policies on file. See the full Harding County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Dakota is $1,614 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $66,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)