Home Insurance in Dundee, Minnesota
The median home value in Dundee is $48,900, 75% lower than the Nobles County median.
The median home in Dundee was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 78% of homes were built before 1960, about 36 points above Nobles County's 43%.
In Dundee, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Dundee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dundee has an owner-occupancy rate of 72% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dundee, 64% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Dundee? FEMA's National Risk Index points to hail (Relatively Moderate) in Nobles County and Nobles County had 20 active NFIP flood policies as of September 2026. See the full Nobles County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $48,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Nobles County | 20 |
| 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)