Home Insurance in Sisseton, South Dakota
The median home value in Sisseton is $109,200, 29% lower than the Roberts County median.
The typical home in Sisseton was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 16 points above Roberts County's 35%.
Housing in Sisseton breaks down to 77% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
35% of owner-occupied homes in Sisseton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sisseton has an owner-occupancy rate of 51% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Sisseton - 51% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Sisseton? FEMA's National Risk Index points to winter weather (Relatively High) in Roberts County and 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.
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 | $109,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 51% |
| 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)