Home Insurance in Winner, South Dakota
With a median home value of $106,100, Winner is 20% lower than the Tripp County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Winner was built around 1967. About 42% of homes were built before 1960, about 1 point above Tripp County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Winner is 71% single-family homes, 13% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Winner, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Winner are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Winner, 42% of homes are primarily heated with electricity.
Tripp County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Tripp 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 | $106,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Tripp 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)