Home Insurance in Okabena, Minnesota
Homes in Okabena carry a median value of $108,300 - 31% lower than the Jackson County median.
The typical home in Okabena was built around 1960. About 51% of homes were built before 1960, about 1 point below Jackson County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Okabena breaks down to 100% single-family homes.
55% of owner-occupied homes in Okabena carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Okabena are owner-occupied.
Most homes in Okabena - 78% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jackson County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $108,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)