Home Insurance in Hartland, Minnesota
With a median home value of $166,900, Hartland is close to the Freeborn County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hartland was built around 1960. About 50% of homes were built before 1960, about 1 point below Freeborn County's 52%.
In Hartland, the housing stock is 88% single-family homes and 8% apartments in buildings with 5+ units.
71% of owner-occupied homes in Hartland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Hartland are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Hartland are primarily heated with natural gas.
What's the biggest home insurance risk near Hartland? 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 | $166,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)