Home Insurance in Stickney, South Dakota
With a median home value of $131,600, Stickney is 13% lower than the Aurora County median.
The typical home in Stickney was built around 1955. About 60% of homes were built before 1960, about 12 points above Aurora County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Stickney, the housing stock is 98% single-family homes and 1% mobile or manufactured homes.
About 42% of owner-occupied homes in Stickney have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stickney has an owner-occupancy rate of 76% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Stickney, 65% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Aurora County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Aurora County had 3 active NFIP flood policies as of September 2026. See the full Aurora County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $131,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Aurora County | 3 |
| Home insurance premium | $1,614 - 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)