Home Insurance in Grove City, Minnesota
The median home value in Grove City is $142,100, 43% lower than the Meeker County median.
The typical home in Grove City was built around 1969. About 42% of homes were built before 1960, about 10 points above Meeker County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Grove City, the housing stock is 80% single-family homes, 9% apartments in buildings with 5+ units and 5% 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 Grove City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Grove City has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Grove City, 80% of homes are primarily heated with natural gas.
Meeker County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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 | $142,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 64% |
| 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)