Home Insurance in Kilkenny, Minnesota
The median home value in Kilkenny is $158,600, 50% lower than the Le Sueur County median.
The typical home in Kilkenny was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 27 points above Le Sueur County's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kilkenny is 91% single-family homes and 9% mobile or manufactured homes.
About 65% of owner-occupied homes in Kilkenny have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kilkenny has an owner-occupancy rate of 100% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Kilkenny, 100% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Le Sueur County had 67 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Le Sueur 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 | $158,600 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)