Home Insurance in Afton, Minnesota
With a median home value of $679,300, Afton is 61% higher than the Washington County median.
The typical home in Afton was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 10 points above Washington County's 13%.
Housing in Afton breaks down to 100% single-family homes.
55% of owner-occupied homes in Afton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Afton are owner-occupied.
Most homes in Afton - 67% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Washington County had 323 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Washington 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 | $679,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Washington County | 323 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Nearby towns
- St. Marys Point
- Lake St. Croix Beach
- Lakeland Shores
- Lakeland
- Woodbury
- Cottage Grove
- Lake Elmo
- Bayport
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)