Home Insurance in Dimock, South Dakota
Homes in Dimock carry a median value of $187,500 - 15% higher than the Hutchinson County median.
The typical home in Dimock was built around 1973. About 35% of homes were built before 1960, about 14 points below Hutchinson County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Dimock, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Dimock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Dimock are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Dimock are primarily heated with natural gas.
What's the biggest home insurance risk near Dimock? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Hutchinson County and Hutchinson County had 17 active NFIP flood policies as of September 2026. See the full Hutchinson 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 | $187,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Hutchinson County | 17 |
| 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)