Home Insurance in Tripp County, South Dakota
With a median home value of $132,900, Tripp County is 48% lower than the South Dakota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tripp County was built around 1969. About 40% of homes were built before 1960, about 13 points above South Dakota's 28%.
The housing stock in Tripp County is 78% single-family homes, 7% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Tripp County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tripp County has an owner-occupancy rate of 68% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
48% of homes in Tripp County 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.
The top hazards for Tripp County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Tripp County has 1 active NFIP flood policy on file.
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 | $132,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| 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)