Home Insurance in Stewart, Minnesota
Homes in Stewart carry a median value of $125,400 - 49% lower than the McLeod County median.
The typical home in Stewart was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 28 points above McLeod County's 28%.
The housing stock in Stewart is 91% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Stewart have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stewart has an owner-occupancy rate of 81% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
84% of homes in Stewart are primarily heated with natural gas.
McLeod County had 38 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full McLeod 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 | $125,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in McLeod County | 38 |
| 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)