Home Insurance in Trail, Minnesota
The median home value in Trail is $32,500, 85% lower than the Polk County median.
The typical home in Trail was built around 1944. About 67% of homes were built before 1960, about 29 points above Polk County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Trail is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Trail carry a mortgage.
The vacancy rate is 52%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Trail are owner-occupied.
50% of homes in Trail are primarily heated with electricity. 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 Trail? 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.
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 | $32,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)