Home Insurance in Houston County, Minnesota
Homes in Houston County carry a median value of $239,000 - 27% lower than the Minnesota median.
The typical home in Houston County was built around 1972. About 40% of homes were built before 1960, about 11 points above Minnesota's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Houston County is 88% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 52% of owner-occupied homes in Houston County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Houston County has an owner-occupancy rate of 83% and a vacancy rate of 7%; 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 Houston County, 50% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Low), inland flooding (Relatively Low) and tornado (Relatively Low) as the leading hazards for Houston County.
Houston County had 43 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $239,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Inland Flooding (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 43 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)