Home Insurance in Sedan, Minnesota
Homes in Sedan carry a median value of $85,000 - 67% lower than the Pope County median.
The median home in Sedan 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 80% of homes were built before 1960, about 40 points above Pope County's 40%.
In Sedan, the housing stock is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
21% of owner-occupied homes in Sedan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Sedan are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sedan - 86% - are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pope County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Pope County had 11 active NFIP flood policies as of September 2026. See the full Pope 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 | $85,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Pope County | 11 |
| 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)