Home Insurance in Good Thunder, Minnesota
Homes in Good Thunder carry a median value of $178,700 - 33% lower than the Blue Earth County median.
The typical home in Good Thunder was built around 1953. About 55% of homes were built before 1960, about 23 points above Blue Earth County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Good Thunder breaks down to 89% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
59% of owner-occupied homes in Good Thunder carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Good Thunder has an owner-occupancy rate of 89% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
77% of homes in Good Thunder are primarily heated with natural gas.
FEMA rates Blue Earth County's overall risk as Relatively Low, led by strong wind (Relatively High). Blue Earth County had 75 active NFIP flood policies as of September 2026. See the full Blue Earth 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 | $178,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Blue Earth County | 75 |
| 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)