Home Insurance in Eitzen, Minnesota
Homes in Eitzen carry a median value of $116,800 - 51% lower than the Houston County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Eitzen was built around 1954. About 62% of homes were built before 1960, about 22 points above Houston County's 40%.
The housing stock in Eitzen is 94% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 53% of owner-occupied homes in Eitzen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Eitzen has an owner-occupancy rate of 79% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Eitzen, 73% 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.
Houston County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Houston County had 43 active NFIP flood policies as of September 2026. See the full Houston County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $116,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Houston County | 43 |
| 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)