Home Insurance in Trimont, Minnesota
The median home value in Trimont is $98,800, 40% lower than the Martin 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 Trimont was built around 1953. About 68% of homes were built before 1960, about 18 points above Martin County's 50%.
Housing in Trimont breaks down to 85% single-family homes and 13% apartments in buildings with 5+ units.
In Trimont, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Trimont are owner-occupied.
72% of homes in Trimont are primarily heated with natural gas.
What's the biggest home insurance risk near Trimont? FEMA's National Risk Index points to winter weather (Relatively High) in Martin County and Martin County has no active NFIP flood policies on file. See the full Martin County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $98,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)