Home Insurance in Zumbrota, Minnesota
Homes in Zumbrota carry a median value of $249,300 - 13% lower than the Goodhue County median.
The typical home in Zumbrota was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 8 points below Goodhue County's 36%.
In Zumbrota, the housing stock is 74% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Zumbrota carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Zumbrota has an owner-occupancy rate of 77% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Zumbrota, 77% of homes are primarily heated with natural gas.
Goodhue County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Goodhue County had 124 active NFIP flood policies as of September 2026. See the full Goodhue 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 | $249,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Goodhue County | 124 |
| 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)