Home Insurance in Harrisburg, South Dakota
Homes in Harrisburg carry a median value of $312,200 - 10% lower than the Lincoln County median.
The typical home in Harrisburg was built around 2008. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 4 points below Lincoln County's 11%.
In Harrisburg, the housing stock is 79% single-family homes and 17% apartments in buildings with 5+ units.
In Harrisburg, about 85% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Harrisburg are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Harrisburg - 77% - are primarily heated with natural gas.
Lincoln County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Lincoln County had 74 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $312,200 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lincoln County | 74 |
| 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)