Home Insurance in Dodge County, Minnesota
The median home value in Dodge County is $287,700, 13% lower than the Minnesota median.
The typical home in Dodge County was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, in line with Minnesota (29%).
In Dodge County, the housing stock is 88% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Dodge County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dodge County has an owner-occupancy rate of 87% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Dodge County are primarily heated with natural gas.
Per FEMA's National Risk Index, Dodge County's top hazards are hail (Relatively Low), strong wind (Relatively Low) and tornado (Relatively Low).
As of September 2026, Dodge County has 28 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $287,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Strong Wind (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 28 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)