Home Insurance in Quinn, South Dakota
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Quinn was built in 1939 or earlier. About 89% of homes were built before 1960, about 67 points above Pennington County's 22%.
The housing stock in Quinn is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Quinn carry a mortgage.
About 75% of occupied homes in Quinn are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Quinn are primarily heated with wood.
FEMA rates Pennington County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Pennington County had 322 active NFIP flood policies as of September 2026. See the full Pennington County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Pennington County | 322 |
| 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)