Home Insurance in McIntosh, South Dakota
The median home value in McIntosh is $45,800, 34% lower than the Corson County median.
The typical home in McIntosh was built around 1940. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 71% of homes were built before 1960, about 40 points above Corson County's 30%.
In McIntosh, the housing stock is 91% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
9% of owner-occupied homes in McIntosh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McIntosh has an owner-occupancy rate of 68% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in McIntosh - 78% - 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 Corson County's overall risk as Very Low, led by wildfire (Relatively Low). Corson County had 1 active NFIP flood policy as of September 2026. See the full Corson 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 | $45,800 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Corson 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)