Home Insurance in Kandiyohi County, Minnesota
Homes in Kandiyohi County carry a median value of $243,200 - 26% lower than the Minnesota median.
The typical home in Kandiyohi County was built around 1978. About 29% of homes were built before 1960, in line with Minnesota (29%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kandiyohi County is 78% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 59% of owner-occupied homes in Kandiyohi County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kandiyohi County has an owner-occupancy rate of 73% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Kandiyohi County - 50% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Kandiyohi County, per FEMA's National Risk Index, are strong wind (Relatively High), hail (Relatively Moderate) and winter weather (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kandiyohi County has 19 active NFIP flood policies on file.
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 | $243,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 19 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Atwater
- Blomkest
- Kandiyohi
- Lake Lillian
- New London
- Pennock
- Prinsburg
- Raymond
- Regal
- Spicer
- Sunburg
- Willmar
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)