Home Insurance in Ward, South Dakota
Homes in Ward carry a median value of $151,300 - 33% lower than the Moody County median.
The median home in Ward was built in 1939 or earlier. About 56% of homes were built before 1960, about 19 points above Moody County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ward, the housing stock is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ward, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ward has an owner-occupancy rate of 88% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Ward - 85% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Moody County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Moody County had 23 active NFIP flood policies as of September 2026. See the full Moody 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 | $151,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Moody County | 23 |
| 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)