Home Insurance in St. Charles, Minnesota
Homes in St. Charles carry a median value of $256,600 - 9% higher than the Winona County median.
The typical home in St. Charles was built around 1975. About 38% of homes were built before 1960, about 4 points below Winona County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in St. Charles is 80% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In St. Charles, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in St. Charles are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Charles - 82% - are primarily heated with natural gas.
FEMA rates Winona County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $256,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)