Home Insurance in Hetland, South Dakota
With a median home value of $57,500, Hetland is 66% lower than the Kingsbury County median.
The median home in Hetland was built in 1939 or earlier. About 95% of homes were built before 1960, about 51 points above Kingsbury County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hetland breaks down to 100% single-family homes.
14% of owner-occupied homes in Hetland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 67%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Hetland are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hetland, 43% of homes are primarily heated with electricity.
Kingsbury County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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 | $57,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)