Home Insurance in Wendell, Minnesota
With a median home value of $82,500, Wendell is 57% lower than the Grant County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wendell was built around 1947. About 57% of homes were built before 1960, about 12 points above Grant County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wendell is 86% single-family homes and 14% mobile or manufactured homes.
About 40% of owner-occupied homes in Wendell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Wendell are owner-occupied.
In Wendell, 51% of homes are primarily heated with propane. Homes heated with propane and fuel oil 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 Wendell? FEMA's National Risk Index points to winter weather (Relatively Low) in Grant County and Grant County had 1 active NFIP flood policy as of September 2026. See the full Grant 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 | $82,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Grant County | 1 |
| 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)