Home Insurance in Agar, South Dakota
The median home value in Agar is $114,200, 44% lower than the Sully County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Agar was built around 1987. About 38% of homes were built before 1960, about 7 points above Sully County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Agar is 71% single-family homes and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 14% of owner-occupied homes in Agar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Agar are owner-occupied.
Most homes in Agar - 67% - are primarily heated with natural gas.
Sully County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Sully County has no active NFIP flood policies on file. See the full Sully County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $114,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)