Home Insurance in Winton, Minnesota
Homes in Winton carry a median value of $92,500 - 58% lower than the St. Louis County median.
The median home in Winton was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 74% of homes were built before 1960, about 26 points above St. Louis County's 48%.
In Winton, the housing stock is 71% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Winton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Winton has an owner-occupancy rate of 81% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
49% of homes in Winton are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
St. Louis County had 343 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full St. Louis 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 | $92,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in St. Louis County | 343 |
| 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)