Home Insurance in Long Prairie, Minnesota
With a median home value of $152,000, Long Prairie is 27% lower than the Todd County median.
The typical home in Long Prairie was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 13 points above Todd County's 34%.
In Long Prairie, the housing stock is 77% single-family homes and 16% apartments in buildings with 5+ units.
53% of owner-occupied homes in Long Prairie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Long Prairie are owner-occupied.
73% of homes in Long Prairie are primarily heated with natural gas.
What's the biggest home insurance risk near Long Prairie? FEMA's National Risk Index points to wildfire (Relatively Low) in Todd County and Todd County had 41 active NFIP flood policies as of September 2026. See the full Todd 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 | $152,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Todd County | 41 |
| 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)