Home Insurance in Aurora, South Dakota
With a median home value of $234,600, Aurora is 11% lower than the Brookings County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Aurora was built around 2010. About 8% of homes were built before 1960, about 17 points below Brookings County's 24%.
In Aurora, the housing stock is 77% single-family homes and 19% apartments in buildings with 5+ units.
81% of owner-occupied homes in Aurora carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Aurora are owner-occupied.
In Aurora, 69% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Aurora? FEMA's National Risk Index points to winter weather (Relatively High) in Brookings County and Brookings County had 68 active NFIP flood policies as of September 2026. See the full Brookings 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 | $234,600 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Brookings County | 68 |
| 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)