Home Insurance in South Sioux City, Nebraska
Homes in South Sioux City carry a median value of $174,700 - 6% lower than the Dakota County median.
The typical home in South Sioux City was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, about 1 point above Dakota County's 32%.
In South Sioux City, the housing stock is 65% single-family homes, 24% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In South Sioux City, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in South Sioux City are owner-occupied.
52% of homes in South Sioux City are primarily heated with natural gas.
Dakota County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Dakota County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Nebraska, the statewide average premium for a standard HO-3 homeowners policy is $2,142 per year (NAIC, 2023 data).
Key figures
| Median home value | $174,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dakota County | 35 |
| Home insurance premium | $2,142 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)