Home Insurance in Motley, Minnesota
The median home value in Motley is $152,800, 39% lower than the Morrison County median.
The typical home in Motley was built around 1983. About 17% of homes were built before 1960, about 16 points below Morrison County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Motley is 63% single-family homes, 22% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
In Motley, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Motley has an owner-occupancy rate of 64% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Motley, 60% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $152,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)