Home Insurance in Jefferson, South Dakota
Homes in Jefferson carry a median value of $179,400 - 40% lower than the Union County median.
The typical home in Jefferson was built around 1974. About 38% of homes were built before 1960, about 17 points above Union County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Jefferson, the housing stock is 90% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Jefferson, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Jefferson are owner-occupied.
In Jefferson, 53% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jefferson? FEMA's National Risk Index points to wildfire (Relatively Low) in Union County and Union County had 209 active NFIP flood policies as of September 2026. See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $179,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Union County | 209 |
| 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)