Home Insurance Non-Renewals in South Dakota, County by County
1.12 percent of South Dakota homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.88% | 1.18% | 0.78% | 1.00% | 0.99% | 1.12% |
South Dakota drifted upward over the six years, from 0.88 percent in 2018 to 1.12 percent in 2023. The largest single move in the file is the fall of 0.40 points between 2019 and 2020. Among the 51 jurisdictions the committee measured, the 2023 reading puts South Dakota 14th. The high year is 2019. The floor of the series is 0.78 percent in 2020. Across the five year-on-year steps the rate rose three times and fell twice. Counting only the 25 counties whose 2023 book held 500 policies or more, Fall River tops the 2023 readings at 2.33 percent, with Butte next at 2.10 percent, 0.23 points behind. Across the 65 counties with a 2023 reading the midpoint is 1.19 percent against 1.12 percent for the state. Across that same group, top to bottom the 2023 readings cover 1.96 points, with the lowest county at 0.37 percent. None of these rows are inside the national top 100 counties by 2023 rate, which is ranked only over books of 500 policies or more. A non-renewal in this file means the insurer declined to write the policy for another term. The homeowner did not cancel, and that distinction is the whole reason the committee asked 23 insurers for the count.
Every county in the file
Read the table with the policy count in view. Ranking claims in the text above begin at 500 policies in force for 2023. 40 counties below sit under it and are printed anyway. One non-renewal out of two policies reads as 50 percent, which says something about the denominator and nothing about the market.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Gregory | 0.60% | 0.57% | 0.00% | 3.54% | 2.12% | 4.37% | 183 | up sharply |
| Sully | 0.00% | 1.08% | 0.00% | 3.00% | 4.76% | 3.33% | 90 | up sharply |
| Todd | 2.20% | 2.27% | 0.00% | 1.10% | 2.15% | 3.30% | 91 | up sharply |
| Faulk | 0.00% | 1.94% | 0.94% | 0.00% | 1.96% | 3.19% | 94 | up sharply |
| Campbell | 1.28% | 1.27% | 0.00% | 2.17% | 0.00% | 3.09% | 97 | up sharply |
| Tripp | 1.73% | 2.08% | 0.97% | 2.35% | 2.03% | 3.00% | 333 | up sharply |
| Jerauld | 0.00% | 3.57% | 0.00% | 1.56% | 0.00% | 2.94% | 68 | up sharply |
| Jones | 0.00% | 3.45% | 0.00% | 0.00% | 0.00% | 2.63% | 38 | up sharply |
| Charles Mix | 0.63% | 1.51% | 1.46% | 1.11% | 2.94% | 2.59% | 347 | up sharply |
| Buffalo / Brule | 1.07% | 1.08% | 2.19% | 1.75% | 1.05% | 2.53% | 277 | up sharply |
| Perkins | 0.52% | 2.60% | 0.52% | 1.03% | 3.96% | 2.37% | 211 | up sharply |
| Fall River | 0.78% | 1.00% | 0.61% | 0.92% | 1.09% | 2.33% | 1,888 | up sharply |
| Butte | not reported | not reported | 0.88% | 1.13% | 1.38% | 2.10% | 1,572 | no full series |
| Corson | 1.04% | 4.21% | 0.00% | 2.13% | 1.04% | 2.00% | 100 | up sharply |
| Bon Homme | 0.80% | 0.74% | 0.91% | 0.67% | 1.35% | 1.90% | 420 | up sharply |
| Day | 1.17% | 0.45% | 0.00% | 0.56% | 1.24% | 1.80% | 555 | up sharply |
| Ziebach | 0.00% | 0.00% | 0.00% | 2.22% | 0.00% | 1.79% | 56 | up sharply |
| Dewey | 1.18% | 1.02% | 1.16% | 1.10% | 1.04% | 1.74% | 688 | up sharply |
| Miner | 0.00% | 1.30% | 0.68% | 2.82% | 0.78% | 1.74% | 115 | up sharply |
| Stanley | 0.81% | 0.00% | 0.99% | 1.15% | 0.86% | 1.72% | 466 | up sharply |
| Walworth | 0.00% | 0.78% | 0.69% | 1.96% | 0.56% | 1.65% | 182 | up sharply |
| Haakon | 0.74% | 1.22% | 0.56% | 0.00% | 0.52% | 1.57% | 191 | up sharply |
| Aurora | 0.00% | 2.14% | 0.00% | 2.90% | 2.04% | 1.54% | 130 | up sharply |
| Lake | 0.83% | 0.73% | 0.70% | 0.75% | 0.80% | 1.52% | 1,313 | up sharply |
| Jackson | 3.39% | 1.85% | 0.00% | 0.00% | 1.41% | 1.47% | 68 | down sharply |
| Hand | 1.96% | 0.97% | 0.99% | 1.41% | 2.38% | 1.44% | 209 | down sharply |
| McPherson | 0.76% | 1.48% | 1.35% | 1.37% | 1.22% | 1.40% | 143 | up sharply |
| Turner | 0.75% | 0.60% | 0.85% | 0.70% | 1.06% | 1.38% | 723 | up sharply |
| Meade | 1.19% | 2.02% | 0.98% | 1.39% | 1.56% | 1.32% | 6,424 | up |
| Spink | 0.72% | 1.20% | 1.03% | 1.98% | 2.97% | 1.29% | 387 | up sharply |
| Moody | 0.63% | 0.96% | 0.80% | 0.90% | 1.01% | 1.23% | 815 | up sharply |
| Custer | 0.62% | 1.63% | 0.78% | 0.89% | 0.75% | 1.21% | 2,063 | up sharply |
| Grant | 1.33% | 0.71% | 0.86% | 0.90% | 0.70% | 1.19% | 1,181 | down |
| Davison | 0.45% | 0.50% | 0.99% | 0.66% | 1.14% | 1.16% | 1,984 | up sharply |
| Pennington | 1.16% | 1.90% | 1.15% | 1.35% | 1.15% | 1.16% | 19,396 | flat |
| McCook | 0.29% | 0.29% | 0.77% | 1.36% | 1.10% | 1.11% | 449 | up sharply |
| Edmunds | 0.00% | 0.79% | 0.38% | 1.74% | 1.03% | 1.08% | 278 | up sharply |
| Union | 1.19% | 0.75% | 0.73% | 1.10% | 0.85% | 1.07% | 2,244 | down |
| Hughes | 1.30% | 1.88% | 1.26% | 1.17% | 1.46% | 1.06% | 2,549 | down |
| Brown | 0.86% | 1.07% | 0.95% | 1.05% | 1.09% | 1.05% | 4,482 | up |
| Minnehaha | 0.71% | 0.81% | 0.51% | 0.75% | 0.71% | 1.05% | 26,608 | up |
| Brookings | 0.55% | 0.92% | 0.31% | 0.63% | 0.47% | 0.92% | 4,001 | up |
| Lincoln | 0.71% | 0.97% | 0.59% | 0.67% | 0.90% | 0.91% | 8,556 | up |
| Potter | 2.86% | 0.54% | 1.09% | 0.00% | 1.32% | 0.91% | 219 | down sharply |
| Sanborn | 0.00% | 0.87% | 0.00% | 0.00% | 1.68% | 0.91% | 110 | up sharply |
| Clark | 1.06% | 0.54% | 0.50% | 0.45% | 0.44% | 0.90% | 221 | down |
| Douglas | 1.65% | 2.52% | 0.00% | 3.15% | 3.25% | 0.88% | 113 | down sharply |
| Beadle | 1.59% | 0.97% | 0.61% | 0.55% | 0.70% | 0.87% | 1,386 | down sharply |
| Lawrence | 0.87% | 1.46% | 1.29% | 1.41% | 1.11% | 0.83% | 5,913 | flat |
| Kingsbury | 0.66% | 1.12% | 1.27% | 1.20% | 0.40% | 0.81% | 496 | up |
| Oglala Lakota | 0.00% | 4.46% | 1.71% | 2.54% | 1.68% | 0.81% | 123 | up sharply |
| Lyman | 4.20% | 2.52% | 1.71% | 0.00% | 1.56% | 0.77% | 130 | down sharply |
| Clay | 0.71% | 0.71% | 0.35% | 0.62% | 0.89% | 0.75% | 1,069 | flat |
| Hanson | 0.95% | 0.00% | 0.00% | 0.76% | 0.72% | 0.75% | 133 | down |
| Hamlin | 0.00% | 1.48% | 0.47% | 0.21% | 0.80% | 0.59% | 506 | up sharply |
| Bennett | 0.63% | 0.60% | 2.30% | 1.74% | 1.76% | 0.57% | 174 | flat |
| Yankton | 0.75% | 0.42% | 0.61% | 0.85% | 0.50% | 0.57% | 2,446 | down |
| Deuel | 0.33% | 0.95% | 0.30% | 0.87% | 1.94% | 0.55% | 364 | up |
| Marshall | 0.61% | 0.62% | 1.19% | 0.85% | 2.20% | 0.54% | 367 | flat |
| Codington | 0.93% | 0.83% | 0.41% | 0.92% | 0.48% | 0.52% | 3,438 | down |
| Roberts | 1.06% | 1.46% | 1.04% | 0.19% | 0.92% | 0.37% | 542 | down sharply |
| Hutchinson | 0.31% | 0.31% | 0.91% | 1.79% | 1.80% | 0.30% | 330 | flat |
| Harding | not reported | not reported | 2.27% | 2.22% | 0.00% | 0.00% | 49 | no full series |
| Hyde | 0.00% | 0.00% | 0.00% | 2.56% | 2.44% | 0.00% | 37 | flat |
| Mellette | 2.63% | 2.78% | 0.00% | 0.00% | 0.00% | 0.00% | 42 | down sharply |
| Harding / Butte | 1.06% | 0.99% | not reported | not reported | not reported | not reported | not reported | no full series |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Notice periods before a non-renewal are set by state law and this desk has not yet sourced the South Dakota statute. The states it has checked are on the coverage map. For South Dakota, the department of insurance is the record that governs.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.