Homeowners Insurance in Brookings, SD

For a home at Brookings's median value of $265,500, we estimate about $1,500 a year — −7% versus the South Dakota NAIC average of $1,614.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Brookings

Est. premium

$1,500

$125/mo · median home

Median home value

$265,500

South Dakota: $257,400

Median year built

1986

Census ACS

Owner-occupied

47.7%

of households

Hazard score

56.7

state ref. 72.5

Brookings's estimate reflects its home values (3% higher than the state median) and FEMA's hazard profile for Brookings County.

Natural hazard risk in Brookings

FEMA National Risk Index — Brookings County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	75.9	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	80.3	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	48.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	62.3	Comprehensive; dwelling
Winter weather	Relatively High	92.7	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	64.3	Comprehensive; dwelling
Earthquake	Very Low	23.1	Home needs a separate earthquake policy
Lightning	Very Low	7.0	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Brookings

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,195	$1,100
$300,000	$1,650	$1,520
$500,000	$2,485	$2,285
$750,000	$3,440	$3,165

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in South Dakota · Car insurance in Brookings · Insurance offices near Brookings

Frequently asked questions

How much is homeowners insurance in Brookings?

For a home at Brookings's median value of $265,500, we estimate about $1,500 a year for a standard HO-3 policy with a $1,000 deductible. The South Dakota NAIC average is $1,614.

What are the biggest natural hazards in Brookings?

FEMA's National Risk Index rates Brookings County relatively high or very high for winter weather.

Does the age of homes in Brookings affect insurance?

Yes. The median home in Brookings was built in 1986 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for South Dakota, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Brookings County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page