Mitchell has 15,649 residents in 7,305 households. We list 3 agencies for home insurance in Mitchell. Here is what the local numbers say about the cover people here need.

Mitchell at a glance

3home insurance agencies listed
43.4%of households rentRenters insurance
$192,200median home valueHome insurance
1972median year homes were builtRebuild cost calculator
7.4%of households have no carAuto insurance
5.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Davison County

FEMA rates the overall natural hazard risk in Davison County, where most Mitchell agencies we list are located, as Very Low compared with other U.S. counties. The hazards it rates highest:

Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Questions

Home insurance in Mitchell

All insurance agencies in Mitchell · Home insurance across South Dakota

Where can I find home insurance in Mitchell?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Mitchell?

FEMA's National Risk Index rates inland flooding risk in Davison County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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