Home insurance costs & natural hazards in Minnesota
Plain facts for Minnesota homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Minnesota at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Minnesota pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Minnesota ZIP code saw homeowners premiums of $1,858 per policy in 2022, 20% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 16% between 2018 and 2022. The figures come from 688 Minnesota ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 5,007 single-family NFIP policies took effect in Minnesota in 2025, at an average full cost of $1,236, compared with $999 in 2022. About 53% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Minnesota's 87 counties FEMA rates relatively high or very high for each hazard. The most widespread are strong wind, winter weather and cold wave. Open any county for its full hazard profile.
Hazards across Minnesota's counties
Minnesota counties
All 87 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Aitkin County | $1,481 | $1,379 | Relatively Low |
| Anoka County | $2,101 | $1,394 | Relatively Moderate |
| Becker County | $1,809 | — | Very Low |
| Beltrami County | $1,506 | — | Relatively Low |
| Benton County | $1,985 | $1,595 | Relatively Low |
| Big Stone County | $1,712 | $1,176 | Very Low |
| Blue Earth County | $1,862 | $1,145 | Relatively Low |
| Brown County | $1,854 | $1,783 | Relatively Low |
| Carlton County | $1,528 | $1,035 | Relatively Low |
| Carver County | $2,337 | $875 | Relatively Low |
| Cass County | $1,573 | — | Relatively Low |
| Chippewa County | $1,839 | — | Very Low |
| Chisago County | $2,122 | $1,183 | Relatively Low |
| Clay County | $1,693 | $1,315 | Relatively Low |
| Clearwater County | $1,533 | — | Very Low |
| Cook County | $1,671 | — | Very Low |
| Cottonwood County | $1,780 | $1,750 | Very Low |
| Crow Wing County | $1,737 | $1,340 | Relatively Low |
| Dakota County | $2,379 | $779 | Relatively Moderate |
| Dodge County | $1,921 | $1,556 | Very Low |
| Douglas County | $1,733 | $1,032 | Relatively Low |
| Faribault County | $1,838 | — | Relatively Low |
| Fillmore County | $1,748 | $1,564 | Relatively Low |
| Freeborn County | $1,893 | $1,061 | Relatively Low |
| Goodhue County | $2,000 | $1,427 | Relatively Low |
| Grant County | $1,670 | — | Very Low |
| Hennepin County | $2,552 | $927 | Relatively High |
| Houston County | $1,780 | $1,249 | Very Low |
| Hubbard County | $1,571 | — | Very Low |
| Isanti County | $2,065 | $1,380 | Very Low |
| Itasca County | $1,542 | $1,234 | Relatively Low |
| Jackson County | $1,699 | — | Very Low |
| Kanabec County | $1,779 | $1,569 | Very Low |
| Kandiyohi County | $1,887 | $1,133 | Relatively Low |
| Kittson County | $1,496 | $1,337 | Very Low |
| Koochiching County | $1,395 | $1,199 | Very Low |
| Lac qui Parle County | $1,921 | — | Very Low |
| Lake County | $1,521 | — | Very Low |
| Lake of the Woods County | $1,272 | $1,449 | Very Low |
| Le Sueur County | $1,961 | $1,431 | Very Low |
| Lincoln County | $1,729 | — | Very Low |
| Lyon County | $1,917 | $1,202 | Relatively Low |
| Mahnomen County | $1,461 | — | Very Low |
| Marshall County | $1,726 | $1,605 | Very Low |
| Martin County | $1,781 | — | Relatively Low |
| McLeod County | $2,017 | $1,258 | Relatively Low |
| Meeker County | $1,899 | $1,367 | Very Low |
| Mille Lacs County | $2,001 | $1,414 | Very Low |
| Morrison County | $1,739 | $1,180 | Relatively Low |
| Mower County | $1,933 | $1,428 | Relatively Low |
| Murray County | $1,862 | $1,339 | Very Low |
| Nicollet County | $1,856 | $1,158 | Relatively Low |
| Nobles County | $1,840 | $790 | Relatively Low |
| Norman County | $1,579 | $869 | Very Low |
| Olmsted County | $1,975 | $1,214 | Relatively Moderate |
| Otter Tail County | $1,725 | — | Relatively Low |
| Pennington County | $1,530 | — | Relatively Low |
| Pine County | $1,560 | $1,464 | Relatively Low |
| Pipestone County | $1,743 | — | Very Low |
| Polk County | $1,655 | $1,419 | Relatively Low |
| Pope County | $1,804 | — | Very Low |
| Ramsey County | $2,202 | $899 | Relatively High |
| Red Lake County | $1,502 | — | Very Low |
| Redwood County | $1,842 | — | Very Low |
| Renville County | $1,904 | — | Very Low |
| Rice County | $2,153 | $1,931 | Relatively Low |
| Rock County | $1,658 | $1,083 | Very Low |
| Roseau County | $1,469 | $1,035 | Relatively Low |
| Scott County | $2,482 | $1,276 | Relatively Low |
| Sherburne County | $2,171 | $1,300 | Relatively Low |
| Sibley County | $1,905 | — | Very Low |
| St. Louis County | $1,475 | $1,344 | Relatively Moderate |
| Stearns County | $1,887 | $1,709 | Relatively Moderate |
| Steele County | $1,962 | $1,418 | Very Low |
| Stevens County | $1,844 | — | Very Low |
| Swift County | $1,868 | — | Very Low |
| Todd County | $1,706 | $1,227 | Very Low |
| Traverse County | $1,920 | $965 | Very Low |
| Wabasha County | $1,858 | $1,294 | Relatively Low |
| Wadena County | $1,692 | $1,839 | Very Low |
| Waseca County | $1,859 | $760 | Very Low |
| Washington County | $2,468 | $1,119 | Relatively Moderate |
| Watonwan County | $1,829 | — | Very Low |
| Wilkin County | $1,709 | $972 | Very Low |
| Winona County | $1,747 | $1,606 | Relatively Low |
| Wright County | $2,165 | $1,258 | Relatively Low |
| Yellow Medicine County | $1,888 | $1,280 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Minnesota homeowners can do with this information.
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.