Home Insurance in Cavour, South Dakota
The median home value in Cavour is $97,100, 45% lower than the Beadle County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cavour was built around 1973. About 34% of homes were built before 1960, about 12 points below Beadle County's 47%.
In Cavour, the housing stock is 66% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Cavour have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Cavour are owner-occupied.
Most homes in Cavour - 81% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Beadle County had 16 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Beadle County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Dakota is $1,614 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $97,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Beadle County | 16 |
| 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)