Home Insurance in Mantorville, Minnesota
The median home value in Mantorville is $305,500, 6% higher than the Dodge County median.
The typical home in Mantorville was built around 1981. About 22% of homes were built before 1960, about 8 points below Dodge County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Mantorville breaks down to 94% single-family homes and 4% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Mantorville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mantorville has an owner-occupancy rate of 88% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
87% of homes in Mantorville are primarily heated with natural gas.
What's the biggest home insurance risk near Mantorville? FEMA's National Risk Index points to hail (Relatively Low) in Dodge County and Dodge County had 28 active NFIP flood policies as of September 2026. See the full Dodge 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 | $305,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Dodge County | 28 |
| 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)