Home Insurance in Kenneth, Minnesota
The typical home in Kenneth was built around 1945. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 69% of homes were built before 1960, about 19 points above Rock County's 50%.
The housing stock in Kenneth is 100% single-family homes.
In Kenneth, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Kenneth are owner-occupied.
57% of homes in Kenneth 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.
Rock County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 year built | 1945 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)