Home Insurance in McCook County, South Dakota
Homes in McCook County carry a median value of $230,100 - 11% lower than the South Dakota median.
The typical home in McCook County was built around 1970. About 44% of homes were built before 1960, about 16 points above South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In McCook County, the housing stock is 87% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in McCook County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in McCook County are owner-occupied.
37% of homes in McCook County 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.
The top hazards for McCook County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Low) and tornado (Relatively Moderate).
McCook County had 20 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $230,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 20 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Bridgewater
- Median home value: $116,100
- Median year built: 1969
- Owner-occupied share: 72%
-
Salem
- Median home value: $166,700
- Median year built: 1974
- Owner-occupied share: 68%
Sources
- 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)