Home Insurance in Hughes County, South Dakota
Homes in Hughes County carry a median value of $242,000 - 6% lower than the South Dakota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hughes County was built around 1978. About 22% of homes were built before 1960, about 6 points below South Dakota's 28%.
The housing stock in Hughes County is 67% single-family homes, 16% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Hughes County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hughes County has an owner-occupancy rate of 72% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Hughes County, 48% of homes 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.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Relatively Moderate) and inland flooding (Very Low) as the leading hazards for Hughes County.
As of September 2026, Hughes County has 40 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $242,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 40 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)