Home Insurance in Eden Valley, Minnesota
With a median home value of $161,300, Eden Valley is 35% lower than the Meeker County median.
The typical home in Eden Valley was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 16 points above Meeker County's 33%.
In Eden Valley, the housing stock is 77% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
70% of owner-occupied homes in Eden Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eden Valley has an owner-occupancy rate of 79% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Eden Valley, 75% of homes 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.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $161,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)