ZIP 57543 Insurance Data

Data Snapshot: ZIP 57543 (Kadoka, SD)

ZIP 57543 (Kadoka, SD) shows an average homeowners insurance premium of $1,844 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 4% above the national average of $1,776 per year, placing this ZIP in the 68th percentile nationally. Compared to the South Dakota state average of $1,854, this ZIP runs 1% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 57543 is 835.5%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 93.33%, and the average claim severity (amount paid per claim) is $16,510.

Across 5 years (2018–2022), premiums in ZIP 57543 have risen by 22.1%, ranging from $1,510 to $1,844 with a five-year average of $1,657 — an annualized rate of +5.1% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.