Home Insurance in Avon, South Dakota
With a median home value of $107,600, Avon is 20% lower than the Bon Homme County median.
The typical home in Avon was built around 1960. About 50% of homes were built before 1960, about 2 points below Bon Homme County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Avon is 84% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Avon, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Avon has an owner-occupancy rate of 85% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Avon - 51% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Avon? FEMA's National Risk Index points to winter weather (Relatively Low) in Bon Homme County and Bon Homme County had 1 active NFIP flood policy as of September 2026. See the full Bon Homme County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $107,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Bon Homme County | 1 |
| 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)