Home Insurance in Lewiston, Minnesota
Homes in Lewiston carry a median value of $213,600 - 9% lower than the Winona County median.
The typical home in Lewiston was built around 1978. About 32% of homes were built before 1960, about 10 points below Winona County's 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 Lewiston is 73% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
73% of owner-occupied homes in Lewiston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lewiston has an owner-occupancy rate of 77% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Lewiston - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lewiston? FEMA's National Risk Index points to hail (Relatively Moderate) in Winona County and 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.
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 | $213,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)