Home Insurance in Echo, Minnesota
With a median home value of $103,600, Echo is 33% lower than the Yellow Medicine County median.
The typical home in Echo was built around 1949. About 66% of homes were built before 1960, about 13 points above Yellow Medicine County's 53%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Echo is 88% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Echo, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Echo are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Echo - 82% - are primarily heated with natural gas.
Yellow Medicine County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Yellow Medicine County had 15 active NFIP flood policies as of September 2026. See the full Yellow Medicine 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 | $103,600 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Yellow Medicine County | 15 |
| 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)