Home Insurance in Rothsay, Minnesota
Homes in Rothsay carry a median value of $153,400 - 16% lower than the Wilkin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rothsay was built around 1972. About 36% of homes were built before 1960, about 5 points below Wilkin County's 41%.
In Rothsay, the housing stock is 93% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Rothsay, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rothsay has an owner-occupancy rate of 86% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Rothsay - 53% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Wilkin County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Wilkin County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $153,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)