Home Insurance in Stewartville, Minnesota
Homes in Stewartville carry a median value of $265,300 - 20% lower than the Olmsted County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Stewartville was built around 1990. About 15% of homes were built before 1960, about 4 points below Olmsted County's 19%.
The housing stock in Stewartville is 73% single-family homes, 13% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 68% of owner-occupied homes in Stewartville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stewartville has an owner-occupancy rate of 82% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
85% of homes in Stewartville are primarily heated with natural gas.
Olmsted County had 173 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Olmsted 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 | $265,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Olmsted County | 173 |
| 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)