Home Insurance in Easton, Minnesota
Homes in Easton carry a median value of $98,500 - 27% lower than the Faribault County median.
The typical home in Easton was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 70% of homes were built before 1960, about 8 points above Faribault County's 62%.
In Easton, the housing stock is 100% single-family homes.
In Easton, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Easton are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Easton, 76% of homes are primarily heated with propane.
What's the biggest home insurance risk near Easton? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Faribault County and Faribault County had 7 active NFIP flood policies as of September 2026. See the full Faribault 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 | $98,500 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Faribault County | 7 |
| 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)