Home Insurance in Arlington, Minnesota
The median home value in Arlington is $206,300, 11% lower than the Sibley County median.
The typical home in Arlington was built around 1966. About 43% of homes were built before 1960, about 3 points below Sibley County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Arlington is 74% single-family homes and 17% apartments in buildings with 5+ units.
In Arlington, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arlington has an owner-occupancy rate of 72% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Arlington, 80% of homes are primarily heated with natural gas.
FEMA rates Sibley County's overall risk as Very Low, led by strong wind (Relatively Moderate). Sibley County had 8 active NFIP flood policies as of September 2026. See the full Sibley 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 | $206,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Sibley County | 8 |
| 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)