Home Insurance in Morton, Minnesota
Homes in Morton carry a median value of $78,100 - 52% lower than the Renville County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Morton was built around 1949. About 57% of homes were built before 1960, about 6 points above Renville County's 51%.
Housing in Morton breaks down to 87% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
48% of owner-occupied homes in Morton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Morton are owner-occupied.
In Morton, 59% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Renville County's overall risk as Very Low, led by winter weather (Relatively Moderate). Renville County had 5 active NFIP flood policies as of September 2026. See the full Renville 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 | $78,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Renville County | 5 |
| 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)