Home Insurance in Lennox, South Dakota
Homes in Lennox carry a median value of $235,900 - 32% lower than the Lincoln County median.
The typical home in Lennox was built around 1977. About 30% of homes were built before 1960, about 19 points above Lincoln County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lennox is 75% single-family homes, 6% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Lennox carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Lennox are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lennox - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lennox? FEMA's National Risk Index points to winter weather (Relatively High) in Lincoln County and Lincoln County had 74 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $235,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lincoln County | 74 |
| 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)