Home Insurance in La Crescent, Minnesota
Homes in La Crescent carry a median value of $272,400 - 14% higher than the Houston County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in La Crescent was built around 1976. About 28% of homes were built before 1960, about 12 points below Houston County's 40%.
The housing stock in La Crescent is 83% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In La Crescent, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
La Crescent has an owner-occupancy rate of 86% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In La Crescent, 74% of homes are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $272,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)