Home Insurance in Worthington, Minnesota
With a median home value of $210,300, Worthington is 7% higher than the Nobles County median.
The typical home in Worthington was built around 1972. About 34% of homes were built before 1960, about 9 points below Nobles County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Worthington breaks down to 73% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 46% of owner-occupied homes in Worthington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Worthington has an owner-occupancy rate of 67% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Worthington - 72% - 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.
Nobles County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $210,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)