Home Insurance in Kandiyohi, Minnesota
With a median home value of $161,600, Kandiyohi is 34% lower than the Kandiyohi County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kandiyohi was built around 1977. About 30% of homes were built before 1960, in line with Kandiyohi County (29%).
Housing in Kandiyohi breaks down to 71% single-family homes and 26% apartments in buildings with 5+ units.
58% of owner-occupied homes in Kandiyohi carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kandiyohi has an owner-occupancy rate of 70% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Kandiyohi - 59% - 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.
Kandiyohi County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Kandiyohi County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $161,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 70% |
| 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)