Home Insurance in Willmar, Minnesota
Homes in Willmar carry a median value of $198,400 - 18% lower than the Kandiyohi County median.
The typical home in Willmar was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 2 points above Kandiyohi County's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Willmar is 65% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Willmar, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Willmar has an owner-occupancy rate of 59% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
68% of homes in Willmar 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $198,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)