Home Insurance in Roscoe, South Dakota
The median home value in Roscoe is $74,000, 55% lower than the Edmunds County median.
The typical home in Roscoe was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 71% of homes were built before 1960, about 28 points above Edmunds County's 43%.
The housing stock in Roscoe is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Roscoe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Roscoe has an owner-occupancy rate of 100% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Roscoe, 77% of homes are primarily heated with natural gas.
FEMA rates Edmunds County's overall risk as Very Low, led by winter weather (Relatively Moderate). Edmunds County had 1 active NFIP flood policy as of September 2026. See the full Edmunds County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Dakota is $1,614 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $74,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Edmunds 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)