Home Insurance in Lonsdale, Minnesota
Homes in Lonsdale carry a median value of $357,000 - 11% higher than the Rice County median.
The typical home in Lonsdale was built around 2002. About 8% of homes were built before 1960, about 22 points below Rice County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Lonsdale breaks down to 92% single-family homes and 7% apartments in buildings with 5+ units.
About 75% of owner-occupied homes in Lonsdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lonsdale has an owner-occupancy rate of 92% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Lonsdale - 77% - are primarily heated with natural gas.
Rice County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $357,000 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)