Home Insurance in Stanley County, South Dakota
Homes in Stanley County carry a median value of $203,500 - 21% lower than the South Dakota median.
The typical home in Stanley County was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 14 points below South Dakota's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stanley County is 70% single-family homes, 7% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
54% of owner-occupied homes in Stanley County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stanley County has an owner-occupancy rate of 83% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Stanley County - 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's National Risk Index lists wildfire (Very Low), winter weather (Relatively Low) and inland flooding (Very Low) as the leading hazards for Stanley County.
Stanley County had 92 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $203,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Winter Weather (Relatively Low), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 92 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)