Home Insurance in Emmons, Minnesota
The median home value in Emmons is $106,700, 38% lower than the Freeborn County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Emmons was built around 1955. About 57% of homes were built before 1960, about 6 points above Freeborn County's 52%.
In Emmons, the housing stock is 96% single-family homes and 3% apartments in buildings with 5+ units.
43% of owner-occupied homes in Emmons carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Emmons has an owner-occupancy rate of 80% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Emmons - 80% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Emmons? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Freeborn County and Freeborn County had 18 active NFIP flood policies as of September 2026. See the full Freeborn 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 | $106,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Freeborn County | 18 |
| 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)