Home Insurance in Delmont, South Dakota
With a median home value of $86,700, Delmont is 48% lower than the Douglas County median.
The typical home in Delmont was built around 1943. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 69% of homes were built before 1960, about 19 points above Douglas County's 50%.
The housing stock in Delmont is 96% 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.
36% of owner-occupied homes in Delmont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Delmont has an owner-occupancy rate of 85% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Delmont are primarily heated with electricity.
Douglas County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. 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.
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 | $86,700 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)