Home Insurance in Interior, South Dakota
With a median home value of $137,500, Interior is 17% higher than the Jackson County median.
The typical home in Interior was built around 1958. About 55% of homes were built before 1960, about 34 points above Jackson County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Interior is 82% single-family homes and 12% mobile or manufactured homes.
About 9% of owner-occupied homes in Interior have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Interior has an owner-occupancy rate of 81% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
44% of homes in Interior are primarily heated with propane. Homes heated with propane, fuel oil and wood 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 Interior? FEMA's National Risk Index points to wildfire (Relatively Low) in Jackson County and Jackson County has no active NFIP flood policies on file. See the full Jackson 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 | $137,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)