Home Insurance in Kennedy, Minnesota
The median home value in Kennedy is $50,700, 62% lower than the Kittson County median.
The typical home in Kennedy was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, about 13 points below Kittson County's 42%.
The housing stock in Kennedy is 94% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
38% of owner-occupied homes in Kennedy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Kennedy are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Kennedy are primarily heated with fuel oil.
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.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $50,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)