Home Insurance in Taopi, Minnesota
The median home value in Taopi is $230,000, 24% higher than the Mower County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Taopi was built around 1992. About 21% of homes were built before 1960, about 34 points below Mower County's 55%.
In Taopi, the housing stock is 76% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Taopi carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Taopi has an owner-occupancy rate of 96% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In Taopi, 78% of homes are primarily heated with natural gas.
FEMA rates Mower County's overall risk as Relatively Low, led by hail (Relatively Moderate). Mower County had 81 active NFIP flood policies as of September 2026. 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 | $230,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)