Home Insurance in Northville, South Dakota
The median home value in Northville is $150,000, 22% higher than the Spink County median.
The typical home in Northville was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 7 points below Spink County's 51%.
The housing stock in Northville is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Northville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Northville are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Northville - 54% - are primarily heated with electricity.
Spink County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Spink 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 | $150,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Spink County | 26 |
| 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)