Home Insurance in Yellow Medicine County, Minnesota
The median home value in Yellow Medicine County is $154,700, 53% lower than the Minnesota median.
The typical home in Yellow Medicine County was built around 1958. About 53% of homes were built before 1960, about 24 points above Minnesota's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Yellow Medicine County breaks down to 91% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Yellow Medicine County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Yellow Medicine County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
44% of homes in Yellow Medicine County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Yellow Medicine County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Low) and strong wind (Relatively Low).
As of September 2026, Yellow Medicine County has 15 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $154,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 15 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)