Home Insurance in Westport, Minnesota
With a median home value of $108,900, Westport is 57% lower than the Pope County median.
The typical home in Westport was built around 1978. About 35% of homes were built before 1960, about 5 points below Pope County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Westport, the housing stock is 53% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Westport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Westport are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Westport - 82% - are primarily heated with propane.
FEMA rates Pope County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $108,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)