Home Insurance in La Bolt, South Dakota
With a median home value of $65,000, La Bolt is 62% lower than the Grant County median.
The typical home in La Bolt was built around 1946. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 31 points above Grant County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in La Bolt is 93% single-family homes and 7% mobile or manufactured homes.
About 32% of owner-occupied homes in La Bolt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in La Bolt are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in La Bolt are primarily heated with natural gas.
Grant County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Grant County had 19 active NFIP flood policies as of September 2026. See the full Grant 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 | $65,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Grant County | 19 |
| 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)