Home Insurance in Hallock, Minnesota
Homes in Hallock carry a median value of $140,000 - close to the Kittson County median.
The typical home in Hallock was built around 1967. About 40% of homes were built before 1960, about 2 points below Kittson County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Hallock breaks down to 79% single-family homes and 13% apartments in buildings with 5+ units.
42% of owner-occupied homes in Hallock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hallock has an owner-occupancy rate of 77% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Hallock - 71% - are primarily heated with natural gas.
Kittson County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Kittson 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 | $140,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Kittson 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)