Home Insurance in Minnesota City, Minnesota
The median home value in Minnesota City is $169,000, 28% lower than the Winona County median.
The typical home in Minnesota City was built around 1959. About 52% of homes were built before 1960, about 10 points above Winona County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Minnesota City is 85% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Minnesota City, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Minnesota City has an owner-occupancy rate of 88% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Minnesota City - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near Minnesota City? 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.
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 | $169,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)