Home Insurance in Hills, Minnesota
With a median home value of $197,200, Hills is 12% lower than the Rock County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hills was built around 1958. About 52% of homes were built before 1960, about 2 points above Rock County's 50%.
The housing stock in Hills is 88% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
62% of owner-occupied homes in Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hills has an owner-occupancy rate of 75% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Hills - 58% - 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 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 | $197,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)