Home Insurance in Centerville, South Dakota
Homes in Centerville carry a median value of $161,200 - 28% lower than the Turner County median.
The typical home in Centerville was built around 1948. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 14 points above Turner County's 48%.
In Centerville, the housing stock is 89% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 51% of owner-occupied homes in Centerville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Centerville has an owner-occupancy rate of 78% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
73% of homes in Centerville are primarily heated with natural gas.
Turner County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Turner County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $161,200 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Turner County | 23 |
| 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)