Home Insurance in Courtland, Minnesota
With a median home value of $275,600, Courtland is close to the Nicollet County median.
The typical home in Courtland was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 2 points below Nicollet County's 29%.
The housing stock in Courtland is 96% single-family homes and 2% apartments in buildings with 5+ units.
In Courtland, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Courtland are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Courtland, 56% of homes are primarily heated with natural gas.
Nicollet County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Nicollet County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $275,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Nicollet County | 32 |
| 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)