Home Insurance in Dalton, Minnesota
The median home value in Dalton is $106,800, 61% lower than the Otter Tail County median.
The typical home in Dalton was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 43% of homes were built before 1960, about 17 points above Otter Tail County's 27%.
Housing in Dalton breaks down to 87% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
78% of owner-occupied homes in Dalton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dalton has an owner-occupancy rate of 89% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
65% of homes in Dalton are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Otter Tail County's overall risk as Relatively Low, led by winter weather (Very High). Otter Tail County had 7 active NFIP flood policies as of September 2026. See the full Otter Tail 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 | $106,800 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Otter Tail County | 7 |
| 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)