Home Insurance in Zumbro Falls, Minnesota
Homes in Zumbro Falls carry a median value of $263,300 - close to the Wabasha County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Zumbro Falls was built around 1983. About 39% of homes were built before 1960, about 7 points above Wabasha County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Zumbro Falls is 80% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 72% of owner-occupied homes in Zumbro Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Zumbro Falls has an owner-occupancy rate of 83% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Zumbro Falls, 77% of homes are primarily heated with propane.
Wabasha County had 73 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Wabasha 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 | $263,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)