Home Insurance in McIntosh, Minnesota
With a median home value of $103,600, McIntosh is 54% lower than the Polk County median.
The median home in McIntosh was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 62% of homes were built before 1960, about 25 points above Polk County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McIntosh is 59% single-family homes, 30% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
51% of owner-occupied homes in McIntosh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McIntosh has an owner-occupancy rate of 59% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
38% of homes in McIntosh 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.
What's the biggest home insurance risk near McIntosh? FEMA's National Risk Index points to winter weather (Relatively High) in Polk County and Polk County had 110 active NFIP flood policies as of September 2026. See the full Polk 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 | $103,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Polk County | 110 |
| 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)