Home Insurance in Evansville, Minnesota
Homes in Evansville carry a median value of $133,000 - 59% lower than the Douglas County median.
The typical home in Evansville was built around 1972. About 39% of homes were built before 1960, about 17 points above Douglas County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Evansville, the housing stock is 81% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 72% of owner-occupied homes in Evansville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Evansville has an owner-occupancy rate of 70% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Evansville - 54% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Douglas County's overall risk as Relatively Low, led by winter weather (Relatively High). Douglas County had 9 active NFIP flood policies as of September 2026. See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $133,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Douglas County | 9 |
| 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)