Farm insurance in South Dakota

Farms in South Dakota lean on a network of businesses: 126 agricultural support firms and 296 farm supply wholesalers with paid staff in 2023, per the Census Bureau. BLS counted 190 crop farmworkers on South Dakota payrolls in May 2025, a figure that leaves out farm owners and family labor.

South Dakota farm economy figures

Census CBP 2023 (NAICS 115, 424910, 444220; all industries); BLS OEWS May 2025 (45-2092, 45-2093, 45-2091; payroll employees only); ACS 2020–2024. CBP does not count most crop and livestock farms themselves.

What moves a South Dakota farm quote

Underwriters begin with acres and land use and the dwellings and farm buildings. Then they weigh machinery values, livestock, direct sales and agritourism, custom work, hired labor, distance to fire protection, and claims history.

Keep reading: a farm year and cost factors.

Insurance oversight

The South Dakota Division of Insurance licenses insurers and agents operating in South Dakota. Federal crop insurance runs through USDA's Risk Management Agency and approved insurers.

South Dakota market towns

Ordered by the share of households with three or more vehicles (ACS), highest first.

• Tea
• Harrisburg
• Huron
• Mitchell
• Brookings
• Pierre
• Yankton
• Brandon
• Rapid City
• Box Elder
• Watertown
• Sioux Falls
• Vermillion
• Aberdeen
• Spearfish

Farm coverage and guides

• The farmowners policy
• Farm liability
• Farm equipment and machinery
• Barns and outbuildings
• Livestock coverage
• Farm trucks and vehicles
• A farm year, season by season
• Agritourism and farm stands
• Crop insurance basics
• What affects farm insurance cost
• Farm application checklist

Every other South Dakota community

Farms near any South Dakota community can ask for a quote. Listed from smallest population to largest, with county:

Hillsview (Mcpherson County, pop. 3) · Butler (Day County, pop. 6) · Lowry (Walworth County, pop. 6) · Verdon (Brown County, pop. 6) · Artas (Campbell County, pop. 7) · White Rock (Roberts County, pop. 7) · Albee (Grant County, pop. 8) · Cottonwood (Jackson County, pop. 10) · Bancroft (Kingsbury County, pop. 13) · Wetonka (Mcpherson County, pop. 13) · Onaka (Faulk County, pop. 14) · Farmer (Hanson County, pop. 15) · Hetland (Kingsbury County, pop. 18) · Rockham (Faulk County, pop. 18) · Chelsea (Faulk County, pop. 19) · Marvin (Grant County, pop. 19) · Seneca (Faulk County, pop. 23) · Vilas (Miner County, pop. 24) · Virgil (Beadle County, pop. 24) · Long Lake (Mcpherson County, pop. 26) · Broadland (Beadle County, pop. 28) · Lebanon (Potter County, pop. 31) · Altamont (Deuel County, pop. 33) · Dolton (Turner County, pop. 36) · Garden City (Clark County, pop. 36) · Tolstoy (Potter County, pop. 37) · Erwin (Kingsbury County, pop. 39) · Naples (Clark County, pop. 41) · Draper (Jones County, pop. 42) · Ward (Moody County, pop. 42) · Wood (Mellette County, pop. 42) · Belvidere (Jackson County, pop. 43) · Morristown (Corson County, pop. 44) · Grenville (Day County, pop. 45) · Lake City (Marshall County, pop. 45) · Lane (Jerauld County, pop. 47) · Twin Brooks (Grant County, pop. 47) · Nunda (Lake County, pop. 49) · Ortley (Roberts County, pop. 50) · Orient (Faulk County, pop. 51) · Turton (Spink County, pop. 52) · Vienna (Clark County, pop. 53) · New Witten (Tripp County, pop. 54) · Davis (Turner County, pop. 55) · Ree Heights (Hand County, pop. 55) · Brant Lake (Lake County, pop. 56) · Raymond (Clark County, pop. 56) · Stratford (Brown County, pop. 59) · Quinn (Pennington County, pop. 61) · La Bolt (Grant County, pop. 62) · Olivet (Hutchinson County, pop. 63) · Wasta (Pennington County, pop. 63) · Interior (Jackson County, pop. 65) · Bradley (Clark County, pop. 66) · Fairview (Lincoln County, pop. 66) · Mound City (Campbell County, pop. 66) · Strandburg (Grant County, pop. 66) · Agar (Sully County, pop. 68) · Andover (Day County, pop. 68) · Camp Crook (Harding County, pop. 68) · Fairburn (Custer County, pop. 68) · Corona (Roberts County, pop. 70) · Utica (Yankton County, pop. 70) · Ravinia (Charles Mix County, pop. 71) · Dante (Charles Mix County, pop. 72) · Batesland (Oglala Lakota County, pop. 74) · Bushnell (Brookings County, pop. 74) · Sherman (Minnehaha County, pop. 76) · Herrick (Gregory County, pop. 77) · Fruitdale (Butte County, pop. 80) · Akaska (Walworth County, pop. 82) · Claire City (Roberts County, pop. 82) · Westport (Brown County, pop. 83) · Fulton (Hanson County, pop. 84) · Brentford (Spink County, pop. 86) · Dallas (Gregory County, pop. 86) · Eden (Marshall County, pop. 91) · Canova (Miner County, pop. 94) · Wallace (Codington County, pop. 94) · Harrold (Hughes County, pop. 98) · Hazel (Hamlin County, pop. 98) · Revillo (Grant County, pop. 98) · Sinai (Brookings County, pop. 100) · Cresbard (Faulk County, pop. 101) · Fairfax (Gregory County, pop. 103) · Ashton (Spink County, pop. 105) · Claremont (Brown County, pop. 106) · Hitchcock (Beadle County, pop. 106) · Stockholm (Grant County, pop. 106) · Glenham (Walworth County, pop. 107) · Pringle (Custer County, pop. 107) · Central City (Lawrence County, pop. 108) · McIntosh (Corson County, pop. 108) · Midland (Haakon County, pop. 109) · Yale (Beadle County, pop. 110) · Lesterville (Yankton County, pop. 114) · Oldham (Kingsbury County, pop. 118) · Brandt (Deuel County, pop. 119) · Java (Walworth County, pop. 120) · Pierpont (Day County, pop. 121) · Oelrichs (Fall River County, pop. 126) · Reliance (Lyman County, pop. 127) · Carthage (Miner County, pop. 128) · Cavour (Beadle County, pop. 129) · Astoria (Deuel County, pop. 130) · Frankfort (Spink County, pop. 131) · Northville (Spink County, pop. 134) · Artesian (Sanborn County, pop. 135) · Badger (Kingsbury County, pop. 135) · Spencer (Mccook County, pop. 136) · Conde (Spink County, pop. 139) · Goodwin (Deuel County, pop. 150) · Geddes (Charles Mix County, pop. 152) · Buffalo Gap (Custer County, pop. 154) · Delmont (Douglas County, pop. 154) · Dimock (Hutchinson County, pop. 154) · Isabel (Dewey County, pop. 155) · Columbia (Brown County, pop. 157) · Hosmer (Edmunds County, pop. 159) · Letcher (Sanborn County, pop. 159) · Volin (Yankton County, pop. 159) · Ramona (Lake County, pop. 161) · St. Lawrence (Hand County, pop. 161) · Monroe (Turner County, pop. 163) · Kranzburg (Codington County, pop. 166) · Wentworth (Lake County, pop. 169) · Peever (Roberts County, pop. 174) · Roslyn (Day County, pop. 180) · Mission Hill (Yankton County, pop. 182) · Hecla (Brown County, pop. 185) · South Shore (Codington County, pop. 190) · Mellette (Spink County, pop. 193) · Doland (Spink County, pop. 195) · Toronto (Deuel County, pop. 195) · Wessington (Beadle County, pop. 199) · Tulare (Spink County, pop. 204) · Frederick (Brown County, pop. 209) · Nisland (Butte County, pop. 211) · Bruce (Brookings County, pop. 216) · Alpena (Jerauld County, pop. 217) · Pollock (Campbell County, pop. 222) · New Effington (Roberts County, pop. 228) · Pickstown (Charles Mix County, pop. 230) · Gary (Deuel County, pop. 233) · Pukwana (Brule County, pop. 236) · Trent (Moody County, pop. 237) · Egan (Moody County, pop. 247) · Bonesteel (Gregory County, pop. 259) · Keystone (Pennington County, pop. 261) · Henry (Codington County, pop. 266) · Willow Lake (Clark County, pop. 268) · Bristol (Day County, pop. 275) · Langford (Marshall County, pop. 278) · Summit (Roberts County, pop. 278) · Roscoe (Edmunds County, pop. 279) · Kennebec (Lyman County, pop. 285) · Iroquois (Kingsbury County, pop. 296) · Bison (Perkins County, pop. 302) · Chancellor (Turner County, pop. 312) · Stickney (Aurora County, pop. 313) · Veblen (Marshall County, pop. 313) · Hudson (Lincoln County, pop. 325) · Florence (Codington County, pop. 333) · Blunt (Hughes County, pop. 334) · Colome (Tripp County, pop. 337) · Wakonda (Clay County, pop. 343) · Buffalo (Harding County, pop. 353) · Faith (Meade County, pop. 354) · Ethan (Davison County, pop. 358) · Hoven (Potter County, pop. 360) · Rosholt (Roberts County, pop. 372) · Gayville (Yankton County, pop. 379) · Hermosa (Custer County, pop. 381) · Hurley (Turner County, pop. 385) · Oacoma (Lyman County, pop. 392) · White Lake (Aurora County, pop. 396) · Tabor (Bon Homme County, pop. 400) · Herreid (Campbell County, pop. 405) · Leola (Mcpherson County, pop. 406) · Big Stone City (Grant County, pop. 413) · Wilmot (Roberts County, pop. 426) · Irene (Turner County, pop. 431) · Hayti (Hamlin County, pop. 434) · Jefferson (Union County, pop. 449) · Warner (Brown County, pop. 450) · Mount Vernon (Davison County, pop. 457) · Montrose (Mccook County, pop. 461) · Wolsey (Beadle County, pop. 461) · Murdo (Jones County, pop. 464) · Presho (Lyman County, pop. 467) · St. Francis (Todd County, pop. 468) · Bowdle (Edmunds County, pop. 472) · Emery (Hanson County, pop. 473) · Waubay (Day County, pop. 474) · Bryant (Hamlin County, pop. 479) · Dupree (Ziebach County, pop. 496) · Bridgewater (Mccook County, pop. 505) · White River (Mellette County, pop. 512) · Kadoka (Jackson County, pop. 530) · Timber Lake (Dewey County, pop. 537) · McLaughlin (Corson County, pop. 541) · White (Brookings County, pop. 554) · Corsica (Douglas County, pop. 556) · Tripp (Hutchinson County, pop. 563) · Humboldt (Minnehaha County, pop. 572) · Kimball (Brule County, pop. 573) · Newell (Butte County, pop. 585) · Burke (Gregory County, pop. 590) · Lake Preston (Kingsbury County, pop. 605) · Avon (Bon Homme County, pop. 606) · Selby (Walworth County, pop. 606) · New Underwood (Pennington County, pop. 610) · Menno (Hutchinson County, pop. 618) · Lake Norden (Hamlin County, pop. 625) · Canistota (Mccook County, pop. 643) · Onida (Sully County, pop. 644) · Woonsocket (Sanborn County, pop. 646) · Highmore (Hyde County, pop. 647) · Alexandria (Hanson County, pop. 657) · Wall (Pennington County, pop. 672) · Colman (Moody County, pop. 674) · Colton (Minnehaha County, pop. 688) · Lake Andes (Charles Mix County, pop. 692) · Armour (Douglas County, pop. 712) · Castlewood (Hamlin County, pop. 716) · Philip (Haakon County, pop. 752) · Edgemont (Fall River County, pop. 759) · Eureka (Mcpherson County, pop. 759) · Plankinton (Aurora County, pop. 763) · Estelline (Hamlin County, pop. 768) · Alcester (Union County, pop. 772) · Wessington Springs (Jerauld County, pop. 773) · Elkton (Brookings County, pop. 778) · Scotland (Bon Homme County, pop. 786) · Faulkton (Faulk County, pop. 818) · Viborg (Turner County, pop. 834) · Howard (Miner County, pop. 841) · Valley Springs (Minnehaha County, pop. 872) · Marion (Turner County, pop. 880) · Worthing (Lincoln County, pop. 914) · Martin (Bennett County, pop. 923) · Arlington (Kingsbury County, pop. 926) · Ipswich (Edmunds County, pop. 931) · Hill City (Pennington County, pop. 937) · Centerville (Turner County, pop. 958) · Whitewood (Lawrence County, pop. 965) · Piedmont (Meade County, pop. 1,002) · De Smet (Kingsbury County, pop. 1,037) · Gettysburg (Potter County, pop. 1,062) · Tyndall (Bon Homme County, pop. 1,082) · Mission (Todd County, pop. 1,135) · Lemmon (Perkins County, pop. 1,141) · Aurora (Brookings County, pop. 1,159) · Clark (Clark County, pop. 1,167) · Garretson (Minnehaha County, pop. 1,169) · Britton (Marshall County, pop. 1,199) · Clear Lake (Deuel County, pop. 1,201) · Platte (Charles Mix County, pop. 1,249) · Eagle Butte (Dewey County, pop. 1,270) · Gregory (Gregory County, pop. 1,270) · Parker (Turner County, pop. 1,306) · Miller (Hand County, pop. 1,307) · Freeman (Hutchinson County, pop. 1,308) · Salem (Mccook County, pop. 1,315) · Baltic (Minnehaha County, pop. 1,331) · Groton (Brown County, pop. 1,343) · Deadwood (Lawrence County, pop. 1,347) · Crooks (Minnehaha County, pop. 1,369) · Wagner (Charles Mix County, pop. 1,429) · Parkston (Hutchinson County, pop. 1,542) · Webster (Day County, pop. 1,666) · Custer (Custer County, pop. 1,829) · Springfield (Bon Homme County, pop. 1,912) · Elk Point (Union County, pop. 2,074) · Beresford (Union County, pop. 2,087) · Redfield (Spink County, pop. 2,101) · Fort Pierre (Stanley County, pop. 2,158) · Flandreau (Moody County, pop. 2,372) · Volga (Brookings County, pop. 2,380) · Sisseton (Roberts County, pop. 2,432) · Chamberlain (Brule County, pop. 2,453) · Lennox (Lincoln County, pop. 2,539) · Winner (Tripp County, pop. 2,962) · Canton (Lincoln County, pop. 2,974) · Summerset (Meade County, pop. 3,013) · Lead (Lawrence County, pop. 3,038) · North Sioux City (Union County, pop. 3,059) · Mobridge (Walworth County, pop. 3,219) · Milbank (Grant County, pop. 3,545) · Hartford (Minnehaha County, pop. 3,600) · Hot Springs (Fall River County, pop. 3,608) · Dell Rapids (Minnehaha County, pop. 3,825) · Belle Fourche (Butte County, pop. 5,855) · Madison (Lake County, pop. 6,086) · Sturgis (Meade County, pop. 7,014)

Farm insurance in South Dakota: common questions

Built from 2023 Census business patterns, May 2025 BLS farm occupation estimates, and five-year ACS housing and vehicle data.

Price a South Dakota farm policy

Last updated October 15, 2026 · How we research