Home Insurance in Dunnell, Minnesota
With a median home value of $51,300, Dunnell is 69% lower than the Martin County median.
The typical home in Dunnell was built around 1964. About 48% of homes were built before 1960, about 2 points below Martin County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Dunnell is 98% single-family homes and 2% mobile or manufactured homes.
In Dunnell, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 48% of occupied homes in Dunnell are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
100% of homes in Dunnell are primarily heated with natural gas.
Martin County has no active NFIP flood policies on file. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Martin 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 | $51,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Winter Weather (Relatively High) |
| 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)