Home Insurance in Kadoka, South Dakota
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kadoka was built around 1973. About 27% of homes were built before 1960, about 7 points above Jackson County's 20%.
In Kadoka, the housing stock is 63% single-family homes, 16% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Kadoka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kadoka has an owner-occupancy rate of 62% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Kadoka - 55% - are primarily heated with propane. Homes heated with propane 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 Kadoka? 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 year built | 1973 |
|---|---|
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)