Home Insurance in Alpena, South Dakota
Homes in Alpena carry a median value of $51,800 - 66% lower than the Jerauld County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Alpena was built around 1945. About 74% of homes were built before 1960, about 22 points above Jerauld County's 52%.
The housing stock in Alpena is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Alpena have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Alpena are owner-occupied.
In Alpena, 48% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jerauld County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Jerauld County had 1 active NFIP flood policy as of September 2026. See the full Jerauld County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $51,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Jerauld County | 1 |
| 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)