Home Insurance in Menno, South Dakota
With a median home value of $111,500, Menno is 32% lower than the Hutchinson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Menno was built around 1956. About 58% of homes were built before 1960, about 9 points above Hutchinson County's 48%.
Housing in Menno breaks down to 86% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Menno, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Menno are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Menno are primarily heated with natural gas.
Hutchinson County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $111,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)