Home Insurance in Kent, Minnesota
The median home value in Kent is $103,300, 43% lower than the Wilkin County median.
The median home in Kent was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 25 points above Wilkin County's 41%.
The housing stock in Kent is 97% single-family homes and 3% mobile or manufactured homes.
55% of owner-occupied homes in Kent carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Kent are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kent - 71% - are primarily heated with electricity.
FEMA rates Wilkin County's overall risk as Very Low, led by winter weather (Relatively Moderate). Wilkin County had 43 active NFIP flood policies as of September 2026. See the full Wilkin 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 | $103,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Wilkin County | 43 |
| 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)