Home Insurance in Dolton, South Dakota
Homes in Dolton carry a median value of $160,600 - 28% lower than the Turner County median.
The median home in Dolton was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 100% of homes were built before 1960, about 52 points above Turner County's 48%.
Housing in Dolton breaks down to 100% single-family homes.
Almost no owner-occupied homes in Dolton carry a mortgage.
About 94% of occupied homes in Dolton are owner-occupied.
Most homes in Dolton - 94% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Turner County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Turner County had 23 active NFIP flood policies as of September 2026. See the full Turner 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 | $160,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)