Home Insurance in Holland, Minnesota
With a median home value of $70,900, Holland is 49% lower than the Pipestone County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Holland was built around 1956. About 55% of homes were built before 1960, in line with Pipestone County (55%).
Housing in Holland breaks down to 99% single-family homes and 1% mobile or manufactured homes.
46% of owner-occupied homes in Holland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Holland are owner-occupied.
Most homes in Holland - 79% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pipestone County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Pipestone 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 | $70,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Pipestone County | 8 |
| 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)