Home Insurance in Draper, South Dakota
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Draper was built in 1939 or earlier. About 56% of homes were built before 1960, about 20 points above Jones County's 35%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Draper is 67% single-family homes and 33% mobile or manufactured homes.
In Draper, about 100% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Draper has an owner-occupancy rate of 75% and a vacancy rate of 56%; unoccupied homes typically need a different coverage form.
50% of homes in Draper are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jones County's overall risk as Very Low, led by wildfire (Relatively Low). Jones County has no active NFIP flood policies on file. See the full Jones 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 | 1939 or earlier |
|---|---|
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 100% |
| 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)