Home Insurance in Spring Grove, Minnesota
Homes in Spring Grove carry a median value of $156,000 - 35% lower 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 Spring Grove was built around 1959. About 51% of homes were built before 1960, about 12 points above Houston County's 40%.
In Spring Grove, the housing stock is 76% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 54% of owner-occupied homes in Spring Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Spring Grove has an owner-occupancy rate of 71% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Spring Grove - 81% - are primarily heated with natural gas.
FEMA rates Houston County's overall risk as Very Low, led by hail (Relatively Low). 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 | $156,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)