Home Insurance in Roberts County, South Dakota
The median home value in Roberts County is $154,500, 40% lower than the South Dakota median.
The typical home in Roberts County was built around 1974. About 35% of homes were built before 1960, about 8 points above South Dakota's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Roberts County, the housing stock is 81% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Roberts County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Roberts County has an owner-occupancy rate of 71% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
48% of homes in Roberts County are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Roberts County, per FEMA's National Risk Index, are winter weather (Relatively High), wildfire (Relatively Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Roberts County has 21 active NFIP flood policies on file.
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 | $154,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 21 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
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)