Home Insurance in Hubbard County, Minnesota
The median home value in Hubbard County is $282,600, 14% lower than the Minnesota median.
The typical home in Hubbard County was built around 1985. About 20% of homes were built before 1960, about 9 points below Minnesota's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hubbard County is 85% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Hubbard County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Hubbard County are owner-occupied. The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hubbard County, 41% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Hubbard County's top hazards are winter weather (Relatively Moderate), wildfire (Relatively Low) and inland flooding (Relatively Low).
Hubbard County had 4 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 | $282,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| 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)