Home Insurance in Langford, South Dakota
The median home value in Langford is $125,000, 20% lower than the Marshall County median.
The typical home in Langford was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 2 points above Marshall County's 40%.
The housing stock in Langford is 79% single-family homes and 11% 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.
31% of owner-occupied homes in Langford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Langford are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Langford, 53% of homes are primarily heated with propane.
Marshall County has no active NFIP flood policies on file. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $125,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)