Home Insurance in Fountain, Minnesota
The median home value in Fountain is $185,300, 16% lower than the Fillmore County median.
The typical home in Fountain was built around 1949. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 10 points above Fillmore County's 46%.
The housing stock in Fountain is 89% single-family homes and 6% apartments in buildings with 5+ units.
In Fountain, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fountain has an owner-occupancy rate of 89% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Fountain, 80% of homes are primarily heated with natural gas.
Fillmore County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Fillmore County had 101 active NFIP flood policies as of September 2026. See the full Fillmore County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $185,300 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Fillmore County | 101 |
| 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)