Home Insurance in Todd County, South Dakota
Homes in Todd County carry a median value of $53,900 - 79% lower than the South Dakota median.
The typical home in Todd County was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 15 points below South Dakota's 28%.
The housing stock in Todd County is 65% single-family homes, 14% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 14% of owner-occupied homes in Todd County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Todd County has an owner-occupancy rate of 46% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Todd County are primarily heated with electricity.
Per FEMA's National Risk Index, Todd County's top hazards are wildfire (Relatively Moderate), winter weather (Relatively High) and hail (Relatively Low).
Todd County had 1 active National Flood Insurance Program policy 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 | $53,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
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)