Home Insurance in North Sioux City, South Dakota
The median home value in North Sioux City is $269,800, 10% lower than the Union County median.
The typical home in North Sioux City was built around 1997. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 14 points below Union County's 22%.
The housing stock in North Sioux City is 45% single-family homes, 37% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in North Sioux City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
North Sioux City has an owner-occupancy rate of 49% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
49% of homes in North Sioux City are primarily heated with natural gas.
Union County had 209 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). 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 | $269,800 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)