Home Insurance in Hyde County, South Dakota
The median home value in Hyde County is $181,600, 29% lower than the South Dakota median.
The typical home in Hyde County was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 22 points above South Dakota's 28%.
In Hyde County, the housing stock is 89% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Hyde County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hyde County has an owner-occupancy rate of 83% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
43% of homes in Hyde County are primarily heated with electricity. 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), hail (Very Low) and winter weather (Relatively Low) as the leading hazards for Hyde County.
Hyde County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $181,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Very Low), Winter Weather (Relatively Low) |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
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)