Home Insurance in South Shore, South Dakota
The median home value in South Shore is $86,800, 63% lower than the Codington County median.
The typical home in South Shore was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 18 points above Codington County's 31%.
In South Shore, the housing stock is 60% single-family homes and 26% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in South Shore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Shore has an owner-occupancy rate of 87% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
69% of homes in South Shore 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.
FEMA rates Codington County's overall risk as Relatively Low, led by winter weather (Relatively High). Codington County had 288 active NFIP flood policies as of September 2026. See the full Codington 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 | $86,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Codington County | 288 |
| 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)