Home Insurance in Henning, Minnesota
Homes in Henning carry a median value of $135,700 - 50% lower than the Otter Tail County median.
The typical home in Henning was built around 1967. 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 16 points above Otter Tail County's 27%.
In Henning, the housing stock is 70% single-family homes, 14% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Henning carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Henning are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Henning are primarily heated with natural gas.
What's the biggest home insurance risk near Henning? FEMA's National Risk Index points to winter weather (Very High) in Otter Tail County and 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.
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 | $135,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)