Home Insurance in Crooks, South Dakota
With a median home value of $295,400, Crooks is close to the Minnehaha County median.
The typical home in Crooks was built around 1991. About 18% of homes were built before 1960, about 4 points below Minnehaha County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Crooks breaks down to 96% single-family homes.
74% of owner-occupied homes in Crooks carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Crooks are owner-occupied.
In Crooks, 83% of homes are primarily heated with natural gas.
Minnehaha County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $295,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)