Home Insurance in Wasta, South Dakota
The median home value in Wasta is $108,800, 64% lower than the Pennington County median.
The typical home in Wasta was built around 1970. About 46% of homes were built before 1960, about 24 points above Pennington County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Wasta 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.
6% of owner-occupied homes in Wasta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Wasta are owner-occupied.
Most homes in Wasta - 82% - 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.
Pennington County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Pennington County had 322 active NFIP flood policies as of September 2026. See the full Pennington County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $108,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Pennington County | 322 |
| 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)