Home Insurance in Miesville, Minnesota
Homes in Miesville carry a median value of $348,200 - 9% lower than the Dakota County median.
The typical home in Miesville was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 33 points above Dakota County's 11%.
In Miesville, the housing stock is 87% single-family homes. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Miesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Miesville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Miesville, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Miesville? FEMA's National Risk Index points to strong wind (Very High) in Dakota County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $348,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)