Home Insurance in Seaforth, Minnesota
The typical home in Seaforth was built around 1954. About 62% of homes were built before 1960, about 17 points above Redwood County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Seaforth, the housing stock is 100% single-family homes.
69% of owner-occupied homes in Seaforth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Seaforth are owner-occupied.
Most homes in Seaforth - 83% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Redwood County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Redwood County had 4 active NFIP flood policies as of September 2026. See the full Redwood 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 year built | 1954 |
|---|---|
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Redwood County | 4 |
| 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)