Home Insurance in Yankton, South Dakota
The median home value in Yankton is $222,700, close to the Yankton County median.
The typical home in Yankton was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, in line with Yankton County (29%).
Housing in Yankton breaks down to 71% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 57% of owner-occupied homes in Yankton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Yankton are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Yankton, 68% of homes are primarily heated with natural gas.
Yankton County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $222,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)