Home Insurance in Renville County, Minnesota
The median home value in Renville County is $163,200, 50% lower than the Minnesota median.
The typical home in Renville County was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 22 points above Minnesota's 29%.
The housing stock in Renville County is 85% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Renville County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Renville County has an owner-occupancy rate of 80% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
44% of homes in Renville County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Renville County's top hazards are winter weather (Relatively Moderate), strong wind (Relatively Moderate) and hail (Relatively Moderate).
Renville County had 5 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $163,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)