Home Insurance in Fillmore County, Minnesota
With a median home value of $221,100, Fillmore County is 33% lower than the Minnesota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fillmore County was built around 1966. About 46% of homes were built before 1960, about 18 points above Minnesota's 29%.
Housing in Fillmore County breaks down to 87% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
59% of owner-occupied homes in Fillmore County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Fillmore County are owner-occupied.
48% of homes in Fillmore County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Low), tornado (Relatively Low) and hail (Relatively Low) as the leading hazards for Fillmore County.
Fillmore County had 101 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $221,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Tornado (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 101 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Canton
- Fountain
- Lanesboro
- Mabel
- Ostrander
- Peterson
- Preston
- Rushford
- Rushford Village
- Spring Valley
- Whalan
- Wykoff
Smaller communities
-
Chatfield
- Median home value: $241,600
- Median year built: 1976
- Owner-occupied share: 88%
-
Harmony
- Median home value: $170,100
- Median year built: 1961
- Owner-occupied share: 84%
Sources
- 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)