Home Insurance in Blue Earth County, Minnesota
The median home value in Blue Earth County is $266,700, 19% lower than the Minnesota median.
The typical home in Blue Earth County was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 3 points above Minnesota's 29%.
The housing stock in Blue Earth County is 65% single-family homes, 23% 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.
About 60% of owner-occupied homes in Blue Earth County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Blue Earth County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Blue Earth County - 65% - are primarily heated with natural gas.
The top hazards for Blue Earth County, per FEMA's National Risk Index, are strong wind (Relatively High), winter weather (Relatively High) and hail (Relatively Moderate).
As of September 2026, Blue Earth County has 75 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $266,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Winter Weather (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 75 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Amboy
- Eagle Lake
- Good Thunder
- Lake Crystal
- Madison Lake
- Mankato
- Mapleton
- Pemberton
- Skyline
- St. Clair
- Vernon Center
Sources
- 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)