Home Insurance in Litchfield, Minnesota
Homes in Litchfield carry a median value of $187,600 - 25% lower than the Meeker County median.
The typical home in Litchfield was built around 1974. About 33% of homes were built before 1960, in line with Meeker County (33%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Litchfield, the housing stock is 69% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Litchfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Litchfield has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
64% of homes in Litchfield 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 | $187,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)