Home Insurance in Appleton, Minnesota
With a median home value of $77,000, Appleton is 52% lower than the Swift County median.
The typical home in Appleton was built around 1954. About 60% of homes were built before 1960, about 8 points above Swift County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Appleton breaks down to 69% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
33% of owner-occupied homes in Appleton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Appleton are owner-occupied.
In Appleton, 59% of homes are primarily heated with natural gas.
FEMA rates Swift County's overall risk as Very Low, led by winter weather (Relatively Moderate). Swift County had 8 active NFIP flood policies as of September 2026. See the full Swift 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 | $77,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Swift 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)