Home Insurance in Sargeant, Minnesota
Homes in Sargeant carry a median value of $157,500 - 15% lower than the Mower County median.
The typical home in Sargeant was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 9 points below Mower County's 55%.
In Sargeant, the housing stock is 100% single-family homes.
60% of owner-occupied homes in Sargeant carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Sargeant are owner-occupied.
In Sargeant, 93% of homes 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 | $157,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)