Home Insurance in Delano, Minnesota
Homes in Delano carry a median value of $375,200 - close to the Wright County median.
The typical home in Delano was built around 1997. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, in line with Wright County (13%).
Housing in Delano breaks down to 83% single-family homes and 15% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Delano have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Delano are owner-occupied.
79% of homes in Delano are primarily heated with natural gas.
What's the biggest home insurance risk near Delano? FEMA's National Risk Index points to strong wind (Relatively High) in Wright County and Wright County had 135 active NFIP flood policies as of September 2026. See the full Wright 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 | $375,200 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Wright County | 135 |
| 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)