Home Insurance in De Graff, Minnesota
Homes in De Graff carry a median value of $105,600 - 35% lower than the Swift County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in De Graff was built around 1946. About 55% of homes were built before 1960, about 3 points above Swift County's 52%.
The housing stock in De Graff is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in De Graff carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in De Graff are owner-occupied.
73% of homes in De Graff 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.
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.
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 | $105,600 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)