Home Insurance in Rushford Village, Minnesota
With a median home value of $279,500, Rushford Village is 26% higher than the Fillmore County median.
The typical home in Rushford Village was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 20 points below Fillmore County's 46%.
In Rushford Village, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rushford Village, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rushford Village has an owner-occupancy rate of 96% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rushford Village, 47% of homes are primarily heated with propane.
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.
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 | $279,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)