Home Insurance in Humboldt, South Dakota
Homes in Humboldt carry a median value of $227,700 - 21% lower than the Minnehaha County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Humboldt was built around 1954. About 55% of homes were built before 1960, about 33 points above Minnehaha County's 22%.
The housing stock in Humboldt is 91% single-family homes and 6% apartments in buildings with 5+ units.
64% of owner-occupied homes in Humboldt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Humboldt are owner-occupied.
Most homes in Humboldt - 68% - are primarily heated with natural gas.
What's the biggest home insurance risk near Humboldt? FEMA's National Risk Index points to tornado (Relatively High) in Minnehaha County and Minnehaha County had 280 active NFIP flood policies as of September 2026. See the full Minnehaha 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 home value | $227,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Minnehaha County | 280 |
| 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)