Home Insurance in Jackson County, South Dakota
With a median home value of $117,300, Jackson County is 54% lower than the South Dakota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jackson County was built around 1979. About 20% of homes were built before 1960, about 7 points below South Dakota's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jackson County is 73% single-family homes, 5% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
About 32% of owner-occupied homes in Jackson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jackson County has an owner-occupancy rate of 67% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Jackson County - 67% - are primarily heated with propane.
The top hazards for Jackson County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Moderate) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Jackson County has no active NFIP flood policies on file.
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 | $117,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Strong Wind (Relatively Low) |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)