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Home insurance & flood costs in ZIP 55046 (Lonsdale, MN)

Plain facts for homeowners in Lonsdale: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 55046 at a glance

Four numbers most homeowners ask about first.

$2,180
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

Too few
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.55%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

19.3%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 55046 in numbers
$24,304
average paid claim (2022)
+8%
premium change 2018–2022, after inflation
0.47%
cancelled by insurers mid-term (2022)
3
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 55046 was $2,180 in 2022, about the same as the Rice County typical ZIP ($2,153) and 41% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 8% between 2018 and 2022. About 19.3% of policies here had a paid claim in 2022, and insurers chose not to renew 0.55% of policies.

Rice County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 55046RiceU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 3 single-family NFIP policies took effect in ZIP 55046 in 2025, too few for a meaningful average. The Rice County average was $1,931.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Rice County

The chart shows the share of homeowners policies in ZIP 55046 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Rice County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Strong wind96 · Relatively High
  • Hail94 · Relatively High
  • Tornado89 · Relatively Moderate
  • Cold wave79 · Relatively Moderate
  • Inland flooding77 · Relatively Moderate

Other ZIP codes in Rice County

Average premium per policy in 2022 (Treasury FIO).

55021 Faribault · $1,99655057 Northfield · $2,285

Practical next steps

Simple things homeowners in ZIP 55046 can do with this information.

Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Have a shelter plan. Know where your safe room or interior shelter is, and keep an up-to-date photo or video inventory of your belongings to make any claim simpler.
Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.