Home Insurance in Utica, South Dakota
Homes in Utica carry a median value of $52,500 - 77% lower than the Yankton County median.
The typical home in Utica was built around 1960. About 50% of homes were built before 1960, about 21 points above Yankton County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Utica is 70% single-family homes, 25% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
15% of owner-occupied homes in Utica carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Utica has an owner-occupancy rate of 81% and a vacancy rate of 20%; 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. 81% of homes in Utica are primarily heated with propane.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Dakota carries a statewide average premium of $1,614 per year.
Key figures
| Median home value | $52,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)