Home Insurance in Lismore, Minnesota
The typical home in Lismore was built around 1952. About 84% of homes were built before 1960, about 41 points above Nobles County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lismore, the housing stock is 100% single-family homes.
62% of owner-occupied homes in Lismore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Lismore are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lismore - 97% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Nobles County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 year built | 1952 |
|---|---|
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)