Home Insurance in Arlington, South Dakota
The median home value in Arlington is $144,300, 15% lower than the Kingsbury County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Arlington was built around 1972. About 34% of homes were built before 1960, about 9 points below Kingsbury County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arlington is 79% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
51% of owner-occupied homes in Arlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Arlington has an owner-occupancy rate of 70% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
77% of homes in Arlington are primarily heated with natural gas.
FEMA rates Kingsbury County's overall risk as Very Low, led by hail (Relatively Low). Kingsbury County had 12 active NFIP flood policies as of September 2026. See the full Kingsbury 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 | $144,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Kingsbury County | 12 |
| 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)