Home Insurance in Conde, South Dakota
The median home value in Conde is $51,000, 59% lower than the Spink County median.
The median home in Conde was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 14 points above Spink County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Conde is 76% single-family homes and 14% mobile or manufactured homes.
24% of owner-occupied homes in Conde carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in Conde are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Conde are primarily heated with natural gas.
Spink County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Spink 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 | $51,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 99% |
| 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)