Home Insurance in Blomkest, Minnesota
With a median home value of $110,700, Blomkest is 54% lower than the Kandiyohi County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Blomkest was built around 1961. About 47% of homes were built before 1960, about 18 points above Kandiyohi County's 29%.
The housing stock in Blomkest is 100% single-family homes.
58% of owner-occupied homes in Blomkest carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Blomkest are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Blomkest, 47% of homes are primarily heated with natural gas.
Kandiyohi County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Kandiyohi County had 19 active NFIP flood policies as of September 2026. See the full Kandiyohi 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 | $110,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Kandiyohi County | 19 |
| 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)