Home Insurance in Mellette, South Dakota
Homes in Mellette carry a median value of $201,000 - 63% higher than the Spink County median.
The typical home in Mellette was built around 1985. About 34% of homes were built before 1960, about 17 points below Spink County's 51%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Mellette is 86% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Mellette carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mellette has an owner-occupancy rate of 86% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Mellette - 59% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Spink County's overall risk as Very Low, led by hail (Relatively Low). 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.
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 | $201,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)