ZIP 57544 Insurance Data

Data Snapshot: ZIP 57544 (Kennebec, SD)

ZIP 57544 (Kennebec, SD) shows an average homeowners insurance premium of $1,672 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations. That is 6% below the national average of $1,776 per year, placing this ZIP in the 58th percentile nationally. Compared to the South Dakota state average of $1,854, this ZIP runs 10% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.39% in this ZIP, a drop of 15.3% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 57544 have fallen by 1.6%, ranging from $1,601 to $1,699 with a five-year average of $1,640 — an annualized rate of -0.4% 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.