Home Insurance in Armour, South Dakota
Homes in Armour carry a median value of $105,500 - 37% lower than the Douglas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Armour was built around 1954. About 60% of homes were built before 1960, about 10 points above Douglas County's 50%.
The housing stock in Armour is 91% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Armour, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Armour has an owner-occupancy rate of 76% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
44% of homes in Armour 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.
FEMA rates Douglas County's overall risk as Very Low, led by winter weather (Relatively Low). Douglas County had 4 active NFIP flood policies as of September 2026. See the full Douglas 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 | $105,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Douglas County | 4 |
| 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)