Home Insurance in Kimball, Minnesota
With a median home value of $232,200, Kimball is 15% lower than the Stearns County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kimball was built around 1974. About 37% of homes were built before 1960, about 16 points above Stearns County's 21%.
In Kimball, the housing stock is 65% single-family homes, 31% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
70% of owner-occupied homes in Kimball carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kimball has an owner-occupancy rate of 63% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
66% of homes in Kimball are primarily heated with natural gas.
FEMA rates Stearns County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Stearns County had 160 active NFIP flood policies as of September 2026. See the full Stearns County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $232,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)