Home Insurance in Trosky, Minnesota
The median home value in Trosky is $116,100, 17% lower than the Pipestone County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Trosky was built around 1943. About 56% of homes were built before 1960, in line with Pipestone County (55%).
Housing in Trosky breaks down to 100% single-family homes.
71% of owner-occupied homes in Trosky carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Trosky are owner-occupied.
Most homes in Trosky - 71% - 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.
Pipestone County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Pipestone County had 8 active NFIP flood policies as of September 2026. 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 | $116,100 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)