Home Insurance in De Smet, South Dakota
The median home value in De Smet is $165,200, close to the Kingsbury County median.
The typical home in De Smet was built around 1958. About 52% of homes were built before 1960, about 8 points above Kingsbury County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in De Smet breaks down to 85% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
45% of owner-occupied homes in De Smet carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in De Smet are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In De Smet, 78% of homes are primarily heated with natural gas.
FEMA rates Kingsbury County's overall risk as Very Low, led by hail (Relatively Low). Kingsbury County had 12 active NFIP flood policies as of September 2026. See the full Kingsbury 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 | $165,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Kingsbury County | 12 |
| 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)