Home Insurance in Hutchinson County, South Dakota
The median home value in Hutchinson County is $163,000, 37% lower than the South Dakota median.
The typical home in Hutchinson County was built around 1962. About 48% of homes were built before 1960, about 21 points above South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Hutchinson County breaks down to 87% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 39% of owner-occupied homes in Hutchinson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Hutchinson County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hutchinson County, 38% of homes are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Hutchinson County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Moderate) and wildfire (Relatively Low).
Hutchinson County had 17 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $163,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
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)