Home Insurance in Aurora County, South Dakota
With a median home value of $151,900, Aurora County is 41% lower than the South Dakota median.
The typical home in Aurora County was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 21 points above South Dakota's 28%.
In Aurora County, the housing stock is 87% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Aurora County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aurora County has an owner-occupancy rate of 73% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Aurora County, 46% of homes are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Relatively Low) and hail (Relatively Low) as the leading hazards for Aurora County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Aurora County has 3 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $151,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)