Home Insurance in Rockville, Minnesota
The median home value in Rockville is $365,800, 34% higher than the Stearns County median.
The typical home in Rockville was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 6 points below Stearns County's 21%.
In Rockville, the housing stock is 90% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
65% of owner-occupied homes in Rockville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rockville has an owner-occupancy rate of 90% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rockville, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Rockville? FEMA's National Risk Index points to strong wind (Relatively High) in Stearns County and 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.
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 | $365,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)