Home Insurance in Nobles County, Minnesota
Homes in Nobles County carry a median value of $197,200 - 40% lower than the Minnesota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Nobles County was built around 1967. About 43% of homes were built before 1960, about 14 points above Minnesota's 29%.
The housing stock in Nobles County is 83% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Nobles County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nobles County has an owner-occupancy rate of 74% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Nobles County, 49% of homes 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.
FEMA's National Risk Index lists hail (Relatively Moderate), winter weather (Relatively High) and tornado (Relatively Moderate) as the leading hazards for Nobles County.
Nobles County had 20 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 | $197,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 20 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
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)