Home Insurance in Eden, South Dakota
The typical home in Eden was built around 2000. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 14 points below Marshall County's 40%.
The housing stock in Eden is 88% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Eden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eden has an owner-occupancy rate of 87% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Eden - 67% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Marshall County's overall risk as Very Low, led by winter weather (Relatively Moderate). Marshall County has no active NFIP flood policies on file. See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median year built | 2000 |
|---|---|
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)