Home Insurance in Colton, South Dakota
With a median home value of $192,900, Colton is 33% lower than the Minnehaha County median.
The typical home in Colton was built around 1961. About 49% of homes were built before 1960, about 27 points above Minnehaha County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Colton, the housing stock is 77% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Colton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Colton are owner-occupied.
In Colton, 67% of homes are primarily heated with natural gas.
FEMA rates Minnehaha County's overall risk as Relatively Moderate, led by tornado (Relatively High). Minnehaha County had 280 active NFIP flood policies as of September 2026. See the full Minnehaha 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 | $192,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Minnehaha County | 280 |
| 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)