Home Insurance in Jordan, Minnesota
Homes in Jordan carry a median value of $336,200 - 20% lower than the Scott 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 Jordan was built around 1999. About 20% of homes were built before 1960, about 10 points above Scott County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jordan is 76% single-family homes, 8% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 69% of owner-occupied homes in Jordan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jordan has an owner-occupancy rate of 81% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Jordan, 86% of homes are primarily heated with natural gas.
FEMA rates Scott County's overall risk as Relatively Low, led by strong wind (Very High). Scott County had 136 active NFIP flood policies as of September 2026. See the full Scott County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $336,200 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Scott County | 136 |
| 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)