Home Insurance in Douglas County, Minnesota
The median home value in Douglas County is $321,400, close to the Minnesota median.
The typical home in Douglas County was built around 1986. About 21% of homes were built before 1960, about 7 points below Minnesota's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Douglas County is 81% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 61% of owner-occupied homes in Douglas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Douglas County are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Douglas County, 39% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), strong wind (Relatively Moderate) and tornado (Relatively Low) as the leading hazards for Douglas County.
As of September 2026, Douglas County has 9 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $321,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Forada
- Median home value: $288,600
- Median year built: 1984
- Owner-occupied share: 86%
-
Garfield
- Median home value: $166,600
- Median year built: 1952
- Owner-occupied share: 84%
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)