Home Insurance in Mower County, Minnesota
The median home value in Mower County is $185,200, 44% lower than the Minnesota median.
The typical home in Mower County was built around 1958. About 55% of homes were built before 1960, about 27 points above Minnesota's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Mower County, the housing stock is 83% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Mower County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Mower County are owner-occupied.
61% of homes in Mower County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Mower County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and winter weather (Relatively Moderate).
Mower County had 81 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $185,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 81 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adams
- Austin
- Brownsdale
- Dexter
- Elkton
- Grand Meadow
- Le Roy
- Lyle
- Mapleview
- Racine
- Rose Creek
- Sargeant
- Taopi
- Waltham
Sources
- 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)