Huron, SD
Rental property insurance for Huron landlords
What Huron landlords should know before insuring a rental. A quote is not a binder.
Census estimates put Huron's renter-occupied share at 32%, or roughly 1,771 of 5,584 occupied homes. Compared with 31% across South Dakota, that is close to average, and it tells you a lot about the local rental stock owners are insuring.
Key housing figures for Huron, SD
| Measure | Huron | South Dakota |
|---|---|---|
| Renter-occupied homes | 32% (1,771) | 31% |
| Median owner-occupied home value | $159,000 | $257,400 |
| Median gross rent | $888/mo | $946/mo |
| Median year structure built | 1960 | 1980 |
| Homes in 2–4 unit buildings | 3% | 5% |
| Single-family homes (detached or attached) | 73% | 71% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Dwelling limits for Huron landlords
At a median home value of $159,000, Huron is lower than South Dakota overall ($257,400). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around Huron's median, the closest NAIC benchmark is the $150,000–$199,999 band, where the 2023 South Dakota dwelling-fire average was $507. The all-amounts state figure was $524.
Loss-of-rents planning in Huron
Rents in Huron center on about $888 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $10,656 per unit at the median.
Older vs. newer rentals in Huron
A median build year of 1960 puts much of Huron's rental stock in the 1960s–70s range. Some homes from that period used aluminum branch wiring or now-obsolete panels, so disclose upgrades clearly.
What Huron landlords typically own
About 73% of homes in Huron are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
Huron next to other South Dakota rental cities
In Sioux Falls, 40% of occupied homes are rented and the median value is $292,400. For comparison, Rapid City comes in at 37% rented and $299,400 median value, with median rent of $1,109. Aberdeen has a renter share of 38% with homes valued around $217,300 at the median. By renter share, Huron is number 11 on our list of 15 South Dakota cities. Manufactured and mobile homes make up about 6% of Huron's housing, and many dwelling programs underwrite those separately. Buildings with five or more units hold about 17% of Huron's homes; those generally need commercial apartment coverage rather than dwelling forms.
Huron weather exposures that affect landlord claims
In Huron, think about blizzards and extreme cold that freeze pipes first, then snow load on roofs. Both appear frequently in South Dakota property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a Huron quote
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Property location in Huron and unit count
- Year built and roof age
- How it is occupied today, including any vacancy or short-term use
- Any system updates, with years
- Current insurer and any losses in five years
Request a Huron landlord quote
Questions from Huron rental owners
How many renters live in Huron?
About 32% of occupied homes in Huron, roughly 1,771 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Huron landlords have to carry insurance?
South Dakota law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
What is a typical landlord premium in Huron?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 South Dakota dwelling-fire average of $524; see our South Dakota page for the full table.
More landlord pages near Huron
Landlord insurance in South Dakota · Cost by state
Last updated October 15, 2026. Sources and method: how we research.