Home Insurance in Dumont, Minnesota
The median home value in Dumont is $146,600, 28% higher than the Traverse County median.
The typical home in Dumont was built around 1968. About 28% of homes were built before 1960, about 21 points below Traverse County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Dumont, the housing stock is 97% single-family homes and 3% apartments in buildings with 5+ units.
In Dumont, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Dumont are owner-occupied.
Most homes in Dumont - 80% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Traverse County had 25 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Traverse 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 | $146,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Traverse County | 25 |
| 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)