Home Insurance in Dassel, Minnesota
Homes in Dassel carry a median value of $236,800 - close to the Meeker County median.
The typical home in Dassel was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, in line with Meeker County (33%).
The housing stock in Dassel is 82% single-family homes and 16% apartments in buildings with 5+ units.
69% of owner-occupied homes in Dassel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Dassel are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Dassel are primarily heated with natural gas.
FEMA rates Meeker County's overall risk as Very Low, led by hail (Relatively Low). Meeker County had 28 active NFIP flood policies as of September 2026. See the full Meeker 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 | $236,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Meeker County | 28 |
| 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)