Home Insurance in Mapleton, Minnesota
The median home value in Mapleton is $181,900, 32% lower than the Blue Earth County median.
The typical home in Mapleton was built around 1955. About 59% of homes were built before 1960, about 28 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.
The housing stock in Mapleton is 87% single-family homes and 8% apartments in buildings with 5+ units.
About 82% of owner-occupied homes in Mapleton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mapleton has an owner-occupancy rate of 76% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Mapleton - 83% - 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.
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 | $181,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)