Home Insurance in Walworth County, South Dakota
The median home value in Walworth County is $136,600, 47% lower than the South Dakota median.
The typical home in Walworth County was built around 1969. About 33% of homes were built before 1960, about 6 points above South Dakota's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Walworth County is 79% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Walworth County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Walworth County has an owner-occupancy rate of 76% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Walworth County, 49% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Walworth County's top hazards are winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Walworth County has 1 active NFIP flood policy on file.
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 | $136,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,614 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)