Home Insurance in Brentford, South Dakota
The typical home in Brentford was built around 1977. About 40% of homes were built before 1960, about 11 points below Spink County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brentford, the housing stock is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in Brentford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brentford has an owner-occupancy rate of 90% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
64% of homes in Brentford are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Brentford? FEMA's National Risk Index points to hail (Relatively Low) in Spink County and Spink County had 26 active NFIP flood policies as of September 2026. See the full Spink 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 year built | 1977 |
|---|---|
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Spink County | 26 |
| 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)