Home Insurance in Plainview, Minnesota
With a median home value of $245,300, Plainview is 7% lower than the Wabasha County median.
The typical home in Plainview was built around 1977. About 22% of homes were built before 1960, about 10 points below Wabasha County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Plainview is 77% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Plainview carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Plainview are owner-occupied.
Most homes in Plainview - 76% - are primarily heated with natural gas.
FEMA rates Wabasha County's overall risk as Relatively Low, led by hail (Relatively Moderate). Wabasha County had 73 active NFIP flood policies as of September 2026. See the full Wabasha 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 | $245,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wabasha County | 73 |
| 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)