Home Insurance in Hurley, South Dakota
Homes in Hurley carry a median value of $111,200 - 50% lower than the Turner County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hurley was built around 1951. About 60% of homes were built before 1960, about 12 points above Turner County's 48%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hurley is 88% single-family homes and 5% mobile or manufactured homes.
In Hurley, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Hurley are owner-occupied.
In Hurley, 44% of homes are primarily heated with propane. Homes heated with propane, fuel oil 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.
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 | $111,200 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)