Home Insurance in Mission, South Dakota
With a median home value of $65,900, Mission is 22% higher than the Todd County median.
The typical home in Mission was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 3 points above Todd County's 13%.
The housing stock in Mission is 44% single-family homes, 35% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 21% of owner-occupied homes in Mission have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Mission 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 Mission - 72% - are primarily heated with electricity.
FEMA rates Todd County's overall risk as Very Low, led by wildfire (Relatively Moderate). Todd County had 1 active NFIP flood policy as of September 2026. See the full Todd County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $65,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Todd County | 1 |
| 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)