Home Insurance in Adams, Minnesota
With a median home value of $170,700, Adams is 8% lower than the Mower County median.
The typical home in Adams was built around 1959. About 51% of homes were built before 1960, about 4 points below Mower County's 55%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Adams breaks down to 91% single-family homes and 9% apartments in buildings with 5+ units.
65% of owner-occupied homes in Adams carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Adams has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
84% of homes in Adams are primarily heated with natural gas.
Mower County had 81 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Mower 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 | $170,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Mower County | 81 |
| 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)