Home Insurance in Alpha, Minnesota
Homes in Alpha carry a median value of $67,100 - 57% lower than the Jackson County median.
The typical home in Alpha was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 3 points below Jackson County's 52%.
Housing in Alpha breaks down to 100% single-family homes.
82% of owner-occupied homes in Alpha carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Alpha are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Alpha are primarily heated with propane.
Jackson County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Jackson County had 15 active NFIP flood policies as of September 2026. See the full Jackson 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 | $67,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Jackson County | 15 |
| 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)