Home Insurance in Kiester, Minnesota
Homes in Kiester carry a median value of $58,800 - 57% lower than the Faribault County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kiester was built around 1954. About 69% of homes were built before 1960, about 7 points above Faribault County's 62%.
In Kiester, the housing stock is 85% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Kiester carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kiester has an owner-occupancy rate of 84% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kiester - 84% - are primarily heated with propane.
Faribault County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $58,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)