Home Insurance in Halma, Minnesota
With a median home value of $67,500, Halma is 50% lower than the Kittson County median.
The typical home in Halma was built around 1971. About 47% of homes were built before 1960, about 5 points above Kittson County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Halma is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Halma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Halma are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 40% of homes in Halma are primarily heated with propane.
Kittson County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Kittson County had 19 active NFIP flood policies as of September 2026. See the full Kittson 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 | $67,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)