Home Insurance in Mitchell, SD
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Protect Your Palace With Mitchell Home Insurance
While agriculture is important throughout South Dakota, no community celebrates it quite like Mitchell. The cultural center of the town is the World's Only Corn Palace. On the inside, it's an arena where sporting events and concerts take place. The outside of the building is covered with intricate murals constructed from different parts of the corn plant, with a new mural created every year.
By South Dakota standards, Mitchell is a large community; the 2020 census showed a population of 15,662. In addition to offering amenities of its own, Mitchell is located right on Interstate 90. You can take I-90 to Sioux Falls, the largest city in South Dakota, and get there in about an hour. The state's capital, Pierre, is about two hours from Mitchell. Its convenient location is part of what makes Mitchell an attractive place to settle.
Home prices in Mitchell are about average for South Dakota and the nation. The cost of living is about 20% lower than in the nation as a whole, and South Dakota doesn't impose a state income tax. Nevertheless, there are risks involved in owning residential property here. VIU by HUB helps you find home insurance in Mitchell, SD, to protect your palace.
Potential for Severe Weather and Natural Disasters in Mitchell, SD
Because South Dakota is so far away from the ocean, it experiences extremes of both hot and cold weather. Mitchell has a significant risk for the following weather events and natural disasters:
- Floods
- Tornadoes
- Heavy snow
- Wildfires
Floods
Mitchell is on the banks of the James River. A tributary of the Missouri, the James is the longest non-navigable river in the world. In a year, Mitchell may see an average of 23.32 inches of precipitation per year. However, it is not uncommon for more rain to fall. In particularly wet years, the James River is prone to flooding.
When you buy a home in Mitchell, you should receive information about whether the property is in a floodplain. If so, you should consider inquiring about flood insurance coverage as standard home policies typically do not include this.
Tornadoes
South Dakota, particularly eastern South Dakota, is in an area of the country known as Tornado Alley, where severe thunderstorms are likely to form and produce strong winds. In 2019, nearby Sioux Falls saw three tornadoes touch down in the span of about 15 minutes. While modern meteorologists are good at identifying the potential for severe weather, there is no predicting exactly where tornadoes will touch down. Their unpredictability, along with their destructive potential, is part of what makes these storms so terrifying.
Snow
In a normal year, Mitchell can see nearly 45 inches of snow. Wet, heavy snow can bring down tree limbs, which may then damage roofs or other personal property. It is not unheard of for several feet of snow to fall on Mitchell all at once. While the most snow typically falls in February, significant snowfall is possible through April and even into May.
Wildfires
Mitchell and surrounding communities diligently perform regular controlled burns to keep fire risk down. Nevertheless, 97% of properties in Mitchell are at risk from wildfires. Hot, dry conditions in summer and sweeping winds can severely increase the fire danger.
Premiums for Mitchell Home Insurance
On average, homeowners in Mitchell pay $2,640 per year for home insurance, which is lower than the state average. Nevertheless, it is possible to save money on home insurance in Mitchell, SD, especially with VIU by HUB. We offer a simple online tool that allows you to collect quotes for side-by-side comparison and then choose the best price.
This information is intended for general informational purposes only and is not intended to constitute legal advice