Home Insurance in Dundas, Minnesota
The median home value in Dundas is $325,800, close to the Rice County median.
The typical home in Dundas was built around 2003. About 16% of homes were built before 1960, about 14 points below Rice County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Dundas is 98% single-family homes and 1% apartments in buildings with 5+ units.
74% of owner-occupied homes in Dundas 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 Dundas are owner-occupied.
78% of homes in Dundas are primarily heated with natural gas.
FEMA rates Rice County's overall risk as Relatively Low, led by strong wind (Relatively High). Rice County had 81 active NFIP flood policies as of September 2026. See the full Rice 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 | $325,800 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Rice County | 81 |
| 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)