Home Insurance in Holt, Minnesota
The median home value in Holt is $125,000, 24% lower than the Marshall County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Holt was built around 1973. About 42% of homes were built before 1960, about 4 points above Marshall County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holt is 71% single-family homes and 29% mobile or manufactured homes.
About 37% of owner-occupied homes in Holt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Holt are owner-occupied.
Most homes in Holt - 64% - 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.
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 | $125,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)