Home Insurance in Jackson County, Minnesota
The median home value in Jackson County is $157,100, 52% lower than the Minnesota median.
The typical home in Jackson County was built around 1959. About 52% of homes were built before 1960, about 23 points above Minnesota's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jackson County, the housing stock is 88% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 50% of owner-occupied homes in Jackson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Jackson County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 52% of homes in Jackson County are primarily heated with natural gas.
Per FEMA's National Risk Index, Jackson County's top hazards are winter weather (Relatively Moderate), hail (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Jackson County has 15 active NFIP flood policies on file.
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 | $157,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 15 |
| 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)