Home Insurance in Yankton, SD
Purchasing home insurance in Yankton, SD means that you can pursue your dreams and interests with confidence knowing that your assets are protected.
Located in southeastern South Dakota on the banks of the Missouri River, Yankton is one of the oldest communities in South Dakota. Because its location on the river made it a key transportation hub and cultural center, it was the original capital of Dakota Territory. About 13% of homes owned and occupied in Yankton today are over 80 years old.
Yankton is the seventh-largest community in South Dakota; at the 2020 census, the population was 15,441. It is home to Mount Marty College, a private institution of higher learning, and Avera Sacred Heart Hospital. Unsurprisingly, health care and education are among the major industries.
Yankton's economic future looks bright. Unemployment is 2.7%, less than half the national average. Experts predict that the job market in Yankton will increase by 28.9% over the next 10 years. Nevertheless, unpredictable events could disrupt your life in Yankton, which is why you need to find adequate home insurance coverage with help from VIU by HUB.
South Dakota is famous for extreme weather. It is the world record holder for the fastest recorded drop in temperature. The following are risks from weather and natural disasters that you should consider when choosing home insurance in Yankton, SD:
The mean high temperature in July in Yankton is 87.1 degrees. Temperatures of 90 degrees and above are not uncommon. Warm air leads to the formation of clouds, and the clash of warm air against cold causes strong winds.
Yankton and other southeastern South Dakota communities are at risk from tornadoes, especially in the warmer months. On May 30, 1998, an F4 tornado nearly destroyed the tiny town of Spencer, SD, located less than 70 miles north of Yankton. The city of Sioux Falls, SD, located about 90 miles northeast of Yankton, experienced no less than three tornadoes on the evening of Sept. 10, 2019.
The average annual snowfall in Yankton is between 35 and 38 inches per year, about 10 inches greater than the national average. Seeing a foot or more in a single snowfall is possible. If the snow is wet and heavy, which is frequently the case, it can damage roofs and tree limbs.
The ecosystem surrounding Yankton is grassland and prairie, though much of this has been converted to farmland. Local officials frequently hold controlled burns to reduce the fire risk by removing vegetative fuel. Nevertheless, 58% of properties in Yankton are at some risk from wildfire.
Yankton's location on the Missouri River means there is at least some flood risk. Home insurance typically doesn't cover flooding, so if you would like this extra protection, you need to purchase it separately.
One of the things that makes Yankton an attractive place to live is the generally low cost of living compared to the rest of the country. On average, home insurance in Yankton costs $2,715 per year. This is lower than the state average but, surprisingly, higher than what homeowners pay in nearby Sioux Falls, South Dakota's largest city.
Fortunately, protecting your home completely while saving on home insurance is possible. Use the online tool on the VIU by HUB website to answer questions about yourself and the coverages you need. You'll receive multiple quotes from several insurers in a matter of moments. Compare quotes side by side to choose the best price.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Guinness Book of World Records
