Home Insurance in Ortonville, Minnesota
With a median home value of $166,300, Ortonville is close to the Big Stone County median.
The typical home in Ortonville was built around 1954. About 58% of homes were built before 1960, about 7 points above Big Stone County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ortonville is 84% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 49% of owner-occupied homes in Ortonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Ortonville are owner-occupied.
Most homes in Ortonville - 78% - are primarily heated with natural gas.
FEMA rates Big Stone County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $166,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)