Home Insurance in Janesville, Minnesota
Homes in Janesville carry a median value of $206,800 - 6% lower than the Waseca County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Janesville was built around 1975. About 31% of homes were built before 1960, about 9 points below Waseca County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Janesville is 76% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 61% of owner-occupied homes in Janesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Janesville are owner-occupied.
87% of homes in Janesville are primarily heated with natural gas.
What's the biggest home insurance risk near Janesville? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Waseca County and Waseca County had 12 active NFIP flood policies as of September 2026. See the full Waseca County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $206,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Waseca County | 12 |
| 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)