Home Insurance in Mendota Heights, Minnesota
Homes in Mendota Heights carry a median value of $520,300 - 37% higher than the Dakota County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mendota Heights was built around 1983. About 17% of homes were built before 1960, about 6 points above Dakota County's 11%.
In Mendota Heights, the housing stock is 77% single-family homes and 19% apartments in buildings with 5+ units.
In Mendota Heights, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Mendota Heights are owner-occupied.
80% of homes in Mendota Heights are primarily heated with natural gas.
FEMA rates Dakota County's overall risk as Relatively Moderate, led by strong wind (Very High). Dakota County had 189 active NFIP flood policies as of September 2026. See the full Dakota 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 | $520,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Dakota County | 189 |
| 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)