Home Insurance in Gary, Minnesota
The median home value in Gary is $151,100, close to the Norman County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gary was built around 1959. About 51% of homes were built before 1960, in line with Norman County (51%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gary is 95% single-family homes and 5% mobile or manufactured homes.
In Gary, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 99% of occupied homes in Gary are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Gary - 63% - are primarily heated with natural gas.
FEMA rates Norman County's overall risk as Very Low, led by hail (Relatively Low). Norman County had 51 active NFIP flood policies as of September 2026. See the full Norman County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $151,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Norman County | 51 |
| 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)