Home Insurance in Gettysburg, South Dakota
With a median home value of $125,000, Gettysburg is close to the Potter County median.
The typical home in Gettysburg was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 15 points above Potter County's 32%.
The housing stock in Gettysburg is 80% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gettysburg, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Gettysburg are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Gettysburg, 63% of homes are primarily heated with natural gas.
Potter County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Potter County has no active NFIP flood policies on file. See the full Potter 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 | $125,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)