Home Insurance in Henderson, Minnesota
With a median home value of $223,500, Henderson is close to the Sibley County median.
The typical home in Henderson was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 2 points above Sibley County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Henderson is 77% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
67% of owner-occupied homes in Henderson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Henderson are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Henderson - 72% - are primarily heated with natural gas.
Sibley County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). 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 | $223,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)