Home Insurance in Argyle, Minnesota
The median home value in Argyle is $191,800, 17% higher than the Marshall County median.
The typical home in Argyle was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 3 points above Marshall County's 38%.
The housing stock in Argyle is 75% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Argyle, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Argyle are owner-occupied.
Most homes in Argyle - 55% - 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.
FEMA rates Marshall County's overall risk as Very Low, led by wildfire (Relatively Low). Marshall County had 22 active NFIP flood policies as of September 2026. See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $191,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Marshall County | 22 |
| 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)