Home Insurance in Pennock, Minnesota
With a median home value of $153,900, Pennock is 37% lower than the Kandiyohi County median.
The typical home in Pennock was built around 1975. About 25% of homes were built before 1960, about 4 points below Kandiyohi County's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pennock, the housing stock is 89% single-family homes and 5% apartments in buildings with 5+ units.
About 81% of owner-occupied homes in Pennock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Pennock are owner-occupied.
In Pennock, 63% of homes are primarily heated with propane. Homes heated with propane and fuel oil 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 | $153,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)