Home Insurance in Kasota, Minnesota
With a median home value of $190,800, Kasota is 40% lower than the Le Sueur County median.
The typical home in Kasota was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 18 points above Le Sueur County's 36%.
In Kasota, the housing stock is 77% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Kasota have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kasota has an owner-occupancy rate of 73% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Kasota - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kasota? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Le Sueur County and Le Sueur County had 67 active NFIP flood policies as of September 2026. See the full Le Sueur 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 | $190,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Le Sueur County | 67 |
| 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)