Home Insurance in Turner County, South Dakota
With a median home value of $222,900, Turner County is 13% lower than the South Dakota median.
The typical home in Turner County was built around 1962. About 48% of homes were built before 1960, about 21 points above South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Turner County is 86% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 53% of owner-occupied homes in Turner County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Turner County has an owner-occupancy rate of 79% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
36% of homes in Turner County 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 winter weather (Relatively Moderate), hail (Relatively Low) and tornado (Relatively Low) as the leading hazards for Turner County.
As of September 2026, Turner County has 23 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $222,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 23 |
| 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)