Home Insurance in Gayville, South Dakota
With a median home value of $99,300, Gayville is 56% lower than the Yankton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gayville was built around 1969. About 41% of homes were built before 1960, about 12 points above Yankton County's 29%.
The housing stock in Gayville is 84% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Gayville, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Gayville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gayville - 73% - are primarily heated with natural gas.
Yankton County had 90 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Yankton 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 | $99,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Yankton County | 90 |
| 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)