Home Insurance in Storden, Minnesota
The median home value in Storden is $81,000, 52% lower than the Cottonwood County median.
The typical home in Storden was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 61% of homes were built before 1960, about 15 points above Cottonwood County's 46%.
In Storden, the housing stock is 99% single-family homes.
50% of owner-occupied homes in Storden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Storden are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Storden, 68% of homes are primarily heated with natural gas.
Cottonwood County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Cottonwood 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 | $81,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Cottonwood County | 35 |
| 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)