Home Insurance in Claire City, South Dakota
Homes in Claire City carry a median value of $77,100 - 50% lower than the Roberts County median.
The typical home in Claire City was built around 1940. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 68% of homes were built before 1960, about 33 points above Roberts County's 35%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Claire City is 77% single-family homes and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 23% of owner-occupied homes in Claire City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Claire City are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Claire City, 47% of homes are primarily heated with propane.
What's the biggest home insurance risk near Claire City? FEMA's National Risk Index points to winter weather (Relatively High) in Roberts County and Roberts County had 21 active NFIP flood policies as of September 2026. See the full Roberts 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 | $77,100 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Roberts County | 21 |
| 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)