Home Insurance in St. Hilaire, Minnesota
The median home value in St. Hilaire is $179,500, 8% lower than the Pennington County median.
The typical home in St. Hilaire was built around 1973. About 32% of homes were built before 1960, about 1 point below Pennington County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in St. Hilaire is 83% single-family homes, 5% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Hilaire, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
St. Hilaire has an owner-occupancy rate of 83% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
70% of homes in St. Hilaire are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pennington County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Pennington 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 | $179,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Pennington 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)