Home Insurance in Harding, Minnesota
Homes in Harding carry a median value of $175,000 - 30% lower than the Morrison County median.
The typical home in Harding was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 15 points above Morrison County's 33%.
Housing in Harding breaks down to 98% single-family homes and 2% mobile or manufactured homes.
About 68% of owner-occupied homes in Harding have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Harding are owner-occupied.
37% of homes in Harding are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Morrison County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Morrison County had 57 active NFIP flood policies as of September 2026. 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.
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 | $175,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)