Home Insurance in Prinsburg, Minnesota
With a median home value of $197,200, Prinsburg is 19% lower than the Kandiyohi County median.
The typical home in Prinsburg was built around 1970. About 40% of homes were built before 1960, about 11 points above Kandiyohi County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Prinsburg, the housing stock is 94% single-family homes and 6% apartments in buildings with 5+ units.
In Prinsburg, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Prinsburg are owner-occupied.
In Prinsburg, 88% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Prinsburg? FEMA's National Risk Index points to strong wind (Relatively High) in Kandiyohi County and 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 | $197,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)