Home Insurance in Lac qui Parle County, Minnesota
With a median home value of $157,600, Lac qui Parle County is 52% 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 Lac qui Parle County was built around 1951. About 60% of homes were built before 1960, about 31 points above Minnesota's 29%.
Housing in Lac qui Parle County breaks down to 87% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 42% of owner-occupied homes in Lac qui Parle County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lac qui Parle County has an owner-occupancy rate of 83% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Lac qui Parle County, 38% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Lac qui Parle County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lac qui Parle County has 3 active NFIP flood policies on file.
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 | $157,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
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)