HomeInsuranceQts

Home Insurance in Worthing, South Dakota

The median home value in Worthing is $220,200, 37% lower than the Lincoln County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Worthing was built around 1994. About 19% of homes were built before 1960, about 8 points above Lincoln County's 11%.

The housing stock in Worthing is 92% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Worthing, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Worthing has an owner-occupancy rate of 93% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.

88% of homes in Worthing are primarily heated with natural gas.

FEMA rates Lincoln County's overall risk as Relatively Low, led by winter weather (Relatively High). 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$220,200
Median year built1994
Owner-occupied share93%
Share of owner-occupied homes with a mortgage78%
Top county hazardWinter Weather (Relatively High)
Active NFIP policies in Lincoln County74
Home insurance premium$1,614 - statewide average (NAIC, 2023 data)
Key home insurance figures for Worthing, SD

Nearby towns

Sources

Data last updated: 2026-09-29