Home Insurance in Scott County, Minnesota
The median home value in Scott County is $419,400, 27% higher than the Minnesota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Scott County was built around 1997. About 9% of homes were built before 1960, about 20 points below Minnesota's 29%.
The housing stock in Scott County is 87% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
72% of owner-occupied homes in Scott County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Scott County has an owner-occupancy rate of 84% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
81% of homes in Scott County are primarily heated with natural gas.
Per FEMA's National Risk Index, Scott County's top hazards are strong wind (Very High), tornado (Relatively Moderate) and hail (Relatively Moderate).
Scott County had 136 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $419,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 136 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)