Home Insurance in Jackson, Minnesota
With a median home value of $128,500, Jackson is 18% lower than the Jackson County median.
The typical home in Jackson was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 3 points below Jackson County's 52%.
The housing stock in Jackson is 73% single-family homes and 22% apartments in buildings with 5+ units.
In Jackson, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Jackson are owner-occupied.
In Jackson, 81% of homes are primarily heated with natural gas.
FEMA rates Jackson County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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.
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 | $128,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)