Home Insurance in Iroquois, South Dakota
With a median home value of $156,300, Iroquois is 8% lower than the Kingsbury County median.
The typical home in Iroquois was built around 1977. About 34% of homes were built before 1960, about 10 points below Kingsbury County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Iroquois, the housing stock is 81% single-family homes and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Iroquois have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Iroquois are owner-occupied.
Most homes in Iroquois - 66% - 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 Iroquois? FEMA's National Risk Index points to hail (Relatively Low) in Kingsbury County and 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.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $156,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)