Home insurance costs & natural hazards in South Dakota
Plain facts for South Dakota homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
South Dakota at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in South Dakota pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical South Dakota ZIP code saw homeowners premiums of $1,794 per policy in 2022, 16% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 19% between 2018 and 2022. The figures come from 180 South Dakota ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 1,939 single-family NFIP policies took effect in South Dakota in 2025, at an average full cost of $1,272, compared with $1,021 in 2022. About 63% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of South Dakota's 66 counties FEMA rates relatively high or very high for each hazard. The most widespread are winter weather, ice storm and cold wave. Open any county for its full hazard profile.
Hazards across South Dakota's counties
South Dakota counties
All 66 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Aurora County | $1,628 | — | Very Low |
| Beadle County | $1,731 | — | Relatively Low |
| Bennett County | $2,212 | — | Very Low |
| Bon Homme County | $1,715 | — | Very Low |
| Brookings County | $1,740 | $1,084 | Relatively Low |
| Brown County | $1,729 | $1,053 | Relatively Low |
| Brule County | $1,808 | — | Relatively Low |
| Buffalo County | — | — | Very Low |
| Butte County | $2,016 | $1,639 | Very Low |
| Campbell County | $1,558 | — | Very Low |
| Charles Mix County | $1,745 | — | Relatively Low |
| Clark County | $1,781 | — | Very Low |
| Clay County | $2,010 | — | Very Low |
| Codington County | $1,686 | $1,145 | Relatively Low |
| Corson County | $1,920 | — | Very Low |
| Custer County | $2,427 | $1,514 | Very Low |
| Davison County | $1,671 | $936 | Very Low |
| Day County | $1,637 | $1,157 | Very Low |
| Deuel County | $1,826 | — | Very Low |
| Dewey County | $1,694 | — | Relatively Low |
| Douglas County | $1,728 | — | Very Low |
| Edmunds County | $2,283 | — | Very Low |
| Fall River County | $1,890 | — | Very Low |
| Faulk County | $1,837 | — | Very Low |
| Grant County | $1,869 | — | Very Low |
| Gregory County | $1,600 | — | Very Low |
| Haakon County | $1,955 | — | Very Low |
| Hamlin County | $1,803 | $1,175 | Very Low |
| Hand County | $1,881 | — | Very Low |
| Hanson County | $1,675 | — | Very Low |
| Harding County | $2,615 | — | Very Low |
| Hughes County | $1,786 | $1,668 | Very Low |
| Hutchinson County | $1,572 | $1,234 | Relatively Low |
| Hyde County | $1,492 | — | Very Low |
| Jackson County | $1,844 | — | Very Low |
| Jerauld County | $1,547 | — | Very Low |
| Jones County | — | — | Very Low |
| Kingsbury County | $1,779 | $910 | Very Low |
| Lake County | $1,951 | $1,063 | Very Low |
| Lawrence County | $2,401 | $1,380 | Relatively Low |
| Lincoln County | $1,925 | $1,005 | Relatively Low |
| Lyman County | $1,736 | — | Very Low |
| Marshall County | $1,671 | — | Very Low |
| McCook County | $1,999 | $1,066 | Relatively Low |
| McPherson County | $1,492 | — | Very Low |
| Meade County | $2,327 | $1,626 | Relatively Low |
| Mellette County | — | — | Very Low |
| Miner County | $1,483 | — | Very Low |
| Minnehaha County | $1,905 | $1,147 | Relatively Moderate |
| Moody County | $1,688 | $1,542 | Very Low |
| Oglala Lakota County | — | — | Relatively Low |
| Pennington County | $2,116 | $1,345 | Relatively Low |
| Perkins County | $1,925 | — | Very Low |
| Potter County | $1,781 | — | Very Low |
| Roberts County | $1,599 | $1,619 | Very Low |
| Sanborn County | $1,690 | — | Very Low |
| Spink County | $1,722 | $1,524 | Very Low |
| Stanley County | $2,168 | $1,834 | Very Low |
| Sully County | $1,957 | — | Very Low |
| Todd County | $1,786 | — | Very Low |
| Tripp County | $1,786 | — | Very Low |
| Turner County | $1,786 | $1,211 | Very Low |
| Union County | $2,297 | $1,356 | Very Low |
| Walworth County | $1,590 | — | Very Low |
| Yankton County | $1,750 | $1,325 | Relatively Low |
| Ziebach County | — | — | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things South Dakota homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.