Home Insurance in La Salle, Minnesota
The median home value in La Salle is $97,500, 40% lower than the Watonwan County median.
The median home in La Salle was built in 1939 or earlier. About 94% of homes were built before 1960, about 46 points above Watonwan County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in La Salle breaks down to 100% single-family homes.
29% of owner-occupied homes in La Salle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in La Salle are owner-occupied.
Most homes in La Salle - 100% - 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.
Watonwan County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Watonwan County had 4 active NFIP flood policies as of September 2026. See the full Watonwan 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 | $97,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Watonwan County | 4 |
| 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)