Home Insurance in Lowry, South Dakota
The housing stock in Lowry is 100% single-family homes.
Almost no owner-occupied homes in Lowry carry a mortgage.
Lowry has an owner-occupancy rate of 100% and a vacancy rate of 86%; unoccupied homes typically need a different coverage form.
In Lowry, 100% of homes are primarily heated with wood. Homes heated with wood 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.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Owner-occupied share | 100% |
|---|---|
| Share of owner-occupied homes with a mortgage | 0% |
| 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)