Home Insurance in Howard, South Dakota
The median home value in Howard is $100,700, 29% lower than the Miner County median.
The typical home in Howard was built around 1959. About 51% of homes were built before 1960, about 4 points below Miner County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Howard is 85% single-family homes and 8% apartments in buildings with 5+ units.
45% of owner-occupied homes in Howard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Howard are owner-occupied.
In Howard, 57% of homes are primarily heated with natural gas.
FEMA rates Miner County's overall risk as Very Low, led by wildfire (Very Low). Miner County has no active NFIP flood policies on file. See the full Miner 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 | $100,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Very Low) |
| 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)