Home Insurance in Hardwick, Minnesota
The median home value in Hardwick is $83,300, 63% lower than the Rock 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 Hardwick was built around 1957. About 55% of homes were built before 1960, about 4 points above Rock County's 50%.
Housing in Hardwick breaks down to 86% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 24% of owner-occupied homes in Hardwick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Hardwick are owner-occupied.
Most homes in Hardwick - 73% - 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.
FEMA rates Rock County's overall risk as Very Low, led by hail (Relatively Moderate). Rock County had 27 active NFIP flood policies as of September 2026. See the full Rock 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 | $83,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Rock County | 27 |
| 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)