Home Insurance in Rosholt, South Dakota
With a median home value of $116,400, Rosholt is 25% lower than the Roberts County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rosholt was built around 1971. About 36% of homes were built before 1960, in line with Roberts County (35%).
The housing stock in Rosholt is 84% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
35% of owner-occupied homes in Rosholt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rosholt has an owner-occupancy rate of 74% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rosholt, 49% of homes are primarily heated with propane.
Roberts County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Roberts County had 21 active NFIP flood policies as of September 2026. See the full Roberts 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 | $116,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Roberts County | 21 |
| 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)