Home Insurance in Minneapolis, Kansas
Homes in Minneapolis carry a median value of $143,800 - 13% lower than the Ottawa County median.
The typical home in Minneapolis was built around 1970. About 36% of homes were built before 1960, about 5 points below Ottawa County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Minneapolis breaks down to 77% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Minneapolis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Minneapolis are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Minneapolis are primarily heated with natural gas.
FEMA rates Ottawa County's overall risk as Very Low, led by hail (Relatively Moderate). Ottawa County had 41 active NFIP flood policies as of September 2026. See the full Ottawa 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 Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $143,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ottawa County | 41 |
| Home insurance premium | $1,733 - 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)