Home Insurance in Ziebach County, South Dakota
Homes in Ziebach County carry a median value of $99,600 - 61% lower than the South Dakota median.
The typical home in Ziebach County was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 11 points below South Dakota's 28%.
The housing stock in Ziebach County is 68% single-family homes, 9% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 23% of owner-occupied homes in Ziebach County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Ziebach County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Ziebach County - 70% - are primarily heated with propane.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Ziebach County.
As of September 2026, Ziebach County has 2 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $99,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 2 |
| 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)