Home Insurance in Holdingford, Minnesota
With a median home value of $205,700, Holdingford is 25% lower than the Stearns County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Holdingford was built around 1966. About 42% of homes were built before 1960, about 21 points above Stearns County's 21%.
In Holdingford, the housing stock is 85% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Holdingford, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Holdingford has an owner-occupancy rate of 84% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Holdingford - 66% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Stearns County had 160 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Stearns 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 | $205,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Stearns County | 160 |
| 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)