Home Insurance in Dilworth, Minnesota
With a median home value of $261,800, Dilworth is close to the Clay County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dilworth was built around 1987. About 27% of homes were built before 1960, about 3 points above Clay County's 24%.
The housing stock in Dilworth is 71% single-family homes, 19% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dilworth, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Dilworth are owner-occupied.
In Dilworth, 73% of homes are primarily heated with natural gas.
Clay County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Clay County had 195 active NFIP flood policies as of September 2026. See the full Clay 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 | $261,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Clay County | 195 |
| 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)