Home Insurance in Spink County, South Dakota
Homes in Spink County carry a median value of $123,300 - 52% lower than the South Dakota median.
The typical home in Spink County was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 23 points above South Dakota's 28%.
In Spink County, the housing stock is 79% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Spink County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Spink County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Spink County, 36% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Low), wildfire (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Spink County.
Spink County had 26 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $123,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 26 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Tulare
- Median home value: $84,300
- Median year built: 1955
- Owner-occupied share: 88%
-
Turton
- Median home value: $75,000
- Median year built: 1965
- Owner-occupied share: 90%
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)