Home Insurance in Clinton, Minnesota
Homes in Clinton carry a median value of $70,000 - 59% lower than the Big Stone County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clinton was built around 1946. About 62% of homes were built before 1960, about 12 points above Big Stone County's 51%.
In Clinton, the housing stock is 73% single-family homes, 22% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Clinton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clinton has an owner-occupancy rate of 81% and a vacancy rate of 37%; 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. Most homes in Clinton - 77% - are primarily heated with propane.
What's the biggest home insurance risk near Clinton? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Big Stone County and Big Stone County had 32 active NFIP flood policies as of September 2026. See the full Big Stone 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 Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $70,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Big Stone County | 32 |
| Home insurance premium | $1,988 - 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)