Home Insurance in Glenham, South Dakota
The median home value in Glenham is $59,300, 57% lower than the Walworth County median.
The median home in Glenham was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 21 points above Walworth County's 33%.
The housing stock in Glenham is 75% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Glenham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Glenham has an owner-occupancy rate of 84% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Glenham - 60% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Walworth County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Walworth County had 1 active NFIP flood policy as of September 2026. See the full Walworth 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 | $59,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Walworth County | 1 |
| 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)