Home Insurance in Kittson County, Minnesota
The median home value in Kittson County is $134,800, 59% lower than the Minnesota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kittson County was built around 1967. About 42% of homes were built before 1960, about 13 points above Minnesota's 29%.
The housing stock in Kittson County is 83% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kittson County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Kittson County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Kittson County, 36% of homes are primarily heated with propane.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Relatively Low) and hail (Very Low) as the leading hazards for Kittson County.
Kittson County had 19 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $134,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 19 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Lancaster
- Median home value: $107,300
- Median year built: 1957
- Owner-occupied share: 80%
-
St. Vincent
- Median home value: $105,000
- Median year built: 1939 or earlier
- Owner-occupied share: 90%
Sources
- 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)