Home Insurance in Gaylord, Minnesota
Homes in Gaylord carry a median value of $171,600 - 26% lower than the Sibley County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gaylord was built around 1972. About 35% of homes were built before 1960, about 12 points below Sibley County's 47%.
The housing stock in Gaylord is 70% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Gaylord, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Gaylord are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gaylord - 76% - are primarily heated with natural gas.
Sibley County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $171,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)