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Insurance agent warns building replacement costs up about $1 million; county considers cutting values on fairground items

Prairie County Board of Commissioners · January 21, 2026

Summary

Watts Insurance informed commissioners that replacement‑cost valuations for county buildings rose substantially since 2025; staff proposed lowering stated values on low‑priority fairground structures to limit premium increases.

Delight Dukart of Watts Insurance presented the county's insurance renewal and said replacement‑cost increases have pushed total building values higher for 2026.

Dukart explained that the county's aggregate building valuation rose roughly $1 million year‑over‑year; the insurance representative and county staff discussed options such as setting stated values of certain fairground concession buildings and small shelters to lower figures (for example, suggesting $10,000 stated value on specific concession stands) to reduce premium exposure. Commissioners asked for more detail on current deductibles and the split between property and liability premiums.

No vote was taken at the Jan. 7 meeting; staff said they would prepare adjusted schedules and bring recommendations to the next meeting so the board can finalize renewal positions before the insurer issues premium updates.

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