Home Insurance in Mission Hill, South Dakota
The median home value in Mission Hill is $104,200, 54% lower than the Yankton County median.
The typical home in Mission Hill was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 35 points above Yankton County's 29%.
The housing stock in Mission Hill is 84% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
51% of owner-occupied homes in Mission Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mission Hill has an owner-occupancy rate of 75% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Mission Hill, 65% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Mission Hill? FEMA's National Risk Index points to winter weather (Relatively High) in Yankton County and Yankton County had 90 active NFIP flood policies as of September 2026. See the full Yankton 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 | $104,200 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)