Home Insurance in Dallas, South Dakota
With a median home value of $77,300, Dallas is 45% lower than the Gregory County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Dallas was built in 1939 or earlier. About 71% of homes were built before 1960, about 24 points above Gregory County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dallas is 90% single-family homes and 10% mobile or manufactured homes.
15% of owner-occupied homes in Dallas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Dallas are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dallas, 42% of homes are primarily heated with propane.
FEMA rates Gregory County's overall risk as Very Low, led by wildfire (Relatively Low). Gregory County had 1 active NFIP flood policy as of September 2026. See the full Gregory 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 | $77,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Gregory 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)