Home Insurance in Wilmot, South Dakota
The median home value in Wilmot is $78,300, 49% lower than the Roberts County median.
The typical home in Wilmot was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 19 points above Roberts County's 35%.
In Wilmot, the housing stock is 76% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Wilmot have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Wilmot are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Wilmot are primarily heated with propane.
FEMA rates Roberts County's overall risk as Very Low, led by winter weather (Relatively High). 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 | $78,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)