Home Insurance in Estelline, South Dakota
Homes in Estelline carry a median value of $142,200 - 32% lower than the Hamlin County median.
The typical home in Estelline was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, in line with Hamlin County (44%).
The housing stock in Estelline is 89% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Estelline, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Estelline are owner-occupied.
Most homes in Estelline - 62% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Estelline? FEMA's National Risk Index points to hail (Relatively Low) in Hamlin County and Hamlin County had 68 active NFIP flood policies as of September 2026. See the full Hamlin 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 | $142,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hamlin County | 68 |
| 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)