Home Insurance in Regal, Minnesota
The median home value in Regal is $143,800, 41% 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 Regal was built around 1977. About 28% of homes were built before 1960, about 1 point below Kandiyohi County's 29%.
In Regal, the housing stock is 100% single-family homes.
About 71% of owner-occupied homes in Regal have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Regal are owner-occupied.
Most homes in Regal - 83% - are primarily heated with propane. 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.
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 | $143,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)