Home Insurance in Genola, Minnesota
With a median home value of $185,400, Genola is 25% lower than the Morrison County median.
The typical home in Genola was built around 1958. About 56% of homes were built before 1960, about 22 points above Morrison County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Genola, the housing stock is 90% single-family homes.
80% of owner-occupied homes in Genola carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Genola are owner-occupied.
Most homes in Genola - 100% - are primarily heated with natural gas.
Morrison County had 57 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Morrison County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $185,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Morrison County | 57 |
| 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)