Home Insurance in Stockton, Minnesota
The median home value in Stockton is $258,100, 10% higher than the Winona County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Stockton was built around 1994. About 23% of homes were built before 1960, about 19 points below Winona County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stockton is 72% single-family homes, 5% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
About 59% of owner-occupied homes in Stockton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Stockton are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stockton, 76% 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 | $258,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)