Home Insurance in Le Center, Minnesota
With a median home value of $209,600, Le Center is 34% lower than the Le Sueur County median.
The typical home in Le Center was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 9 points above Le Sueur County's 36%.
The housing stock in Le Center is 77% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Le Center carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Le Center are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Le Center - 80% - are primarily heated with natural gas.
FEMA rates Le Sueur County's overall risk as Very Low, led by strong wind (Relatively Moderate). 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.
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 | $209,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)