Home Insurance in Houston, Minnesota
The median home value in Houston is $180,100, 25% lower than the Houston County median.
The typical home in Houston was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 25 points above Houston County's 40%.
Housing in Houston breaks down to 85% single-family homes and 11% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Houston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Houston are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Houston, 78% of homes are primarily heated with natural gas.
Houston County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Houston 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 | $180,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)