Home Insurance in Pickstown, South Dakota
The median home value in Pickstown is $287,500, 69% higher than the Charles Mix County median.
The typical home in Pickstown was built around 1991. About 37% of homes were built before 1960, about 5 points below Charles Mix County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pickstown, the housing stock is 87% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pickstown, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pickstown has an owner-occupancy rate of 89% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Pickstown, 51% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Charles Mix County had 3 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Charles Mix 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 | $287,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Charles Mix 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)