Home Insurance in St. Clair, Minnesota
Homes in St. Clair carry a median value of $218,000 - 18% lower than the Blue Earth County median.
The typical home in St. Clair was built around 1973. About 38% of homes were built before 1960, about 7 points above Blue Earth County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In St. Clair, the housing stock is 94% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
52% of owner-occupied homes in St. Clair carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in St. Clair are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Clair - 84% - are primarily heated with natural gas.
Blue Earth County had 75 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $218,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)