Home Insurance in Dakota, Minnesota
The median home value in Dakota is $236,200, close to the Winona County median.
The typical home in Dakota was built around 1965. About 42% of homes were built before 1960, in line with Winona County (42%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dakota is 96% single-family homes and 4% mobile or manufactured homes.
About 63% of owner-occupied homes in Dakota have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dakota has an owner-occupancy rate of 97% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dakota, 68% of homes are primarily heated with propane.
Winona County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Winona County had 142 active NFIP flood policies as of September 2026. See the full Winona County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $236,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Winona County | 142 |
| 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)