Home Insurance in Sturgis, South Dakota
The median home value in Sturgis is $271,200, 13% lower than the Meade County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sturgis was built around 1976. About 25% of homes were built before 1960, about 9 points above Meade County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sturgis is 75% single-family homes, 13% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
64% of owner-occupied homes in Sturgis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Sturgis are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sturgis - 61% - 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 rates Meade County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Meade County had 80 active NFIP flood policies as of September 2026. See the full Meade County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Dakota is $1,614 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $271,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Meade County | 80 |
| 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)