Home Insurance in West Concord, Minnesota
The median home value in West Concord is $180,400, 37% lower than the Dodge County median.
The typical home in West Concord was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 21 points above Dodge County's 29%.
In West Concord, the housing stock is 86% single-family homes and 10% apartments in buildings with 5+ units.
In West Concord, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in West Concord are owner-occupied.
Most homes in West Concord - 83% - are primarily heated with natural gas.
Dodge County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $180,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)