Home Insurance in Oglala Lakota County, South Dakota
The median home value in Oglala Lakota County is $52,900, 79% lower than the South Dakota median.
The typical home in Oglala Lakota County was built around 1987. About 12% of homes were built before 1960, about 16 points below South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oglala Lakota County is 70% single-family homes, 1% apartments in buildings with 5+ units and 28% mobile or manufactured homes.
12% of owner-occupied homes in Oglala Lakota County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Oglala Lakota County are owner-occupied.
In Oglala Lakota County, 52% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Oglala Lakota County's top hazards are wildfire (Relatively Moderate), strong wind (Relatively High) and winter weather (Relatively Moderate).
Oglala Lakota County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $52,900 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Strong Wind (Relatively High), Winter Weather (Relatively Moderate) |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
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)