Home Insurance in Kingsbury County, South Dakota
The median home value in Kingsbury County is $169,500, 34% lower than the South Dakota median.
The typical home in Kingsbury County was built around 1967. About 44% of homes were built before 1960, about 16 points above South Dakota's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Kingsbury County is 84% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kingsbury County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Kingsbury County are owner-occupied.
42% of homes in Kingsbury County 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 hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low) as the leading hazards for Kingsbury County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kingsbury County has 12 active NFIP flood policies on file.
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 | $169,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 12 |
| 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)