"According to the American Community Survey (ACS) data from the U.S. Census Bureau, South Dakota homeowners with a mortgage typically pay $1,500-$1,999 annually for homeowners insurance, while those without a mortgage average $1,000-$1,499. Overall statewide costs fall into the $1,500-$1,999 range. South Dakota has 261,078 insured homeowner households in total-142,522 with a mortgage and 118,556 without. Among mortgaged owners, 16,322 pay less than $100 annually and 12,336 pay $4,000 or more. Among those without a mortgage, 29,579 pay less than $100 and 6,500 pay $4,000 or more."
"South Dakota homeowners face mid-range insurance premiums compared with the rest of the U.S. While not as expensive as neighboring Nebraska or Tornado Alley states, South Dakota's costs are higher than those of many Midwestern neighbors. New data from the U.S. Census Bureau and the 2025 Climate Risk Report help explain where South Dakota stands in the national picture."
South Dakota homeowners generally pay mid-range homeowners insurance premiums compared with the rest of the United States. Homeowners with mortgages typically pay between $1,500 and $1,999 annually, while homeowners without mortgages typically pay between $1,000 and $1,499. The state has 261,078 insured homeowner households, with 142,522 holding mortgages and 118,556 without mortgages. Small subsets pay very low or very high premiums: among mortgaged owners, 16,322 pay under $100 and 12,336 pay $4,000 or more; among non-mortgaged owners, 29,579 pay under $100 and 6,500 pay $4,000 or more. Costs are higher than many Midwestern neighbors but lower than Nebraska and Tornado Alley states, with analysis informed by U.S. Census ACS data and the 2025 Climate Risk Report.
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