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Best Homeowners Insurance in Minnesota
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Content was accurate at the time of publication.
Top Minnesota home insurance companies
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Find the Cheapest Home Insurance Quotes in Minnesota
Cheapest homeowners insurance in Minnesota: North Star Mutual
With an average rate of $2,001 a year, North Star Mutual has Minnesota’s cheapest homeowners insurance. This works out to $167 a month and is 28% less than the next-cheapest rate of $231 a month from American Family.
MN homeowners insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | North Star Mutual | $2,001 |  |
 | American Family | $2,774 |  |
 | Travelers | $2,980 |  |
 | Allstate | $3,371 | |
 | State Farm | $3,399 | |
| Western National | Western National | $3,677 | |
 | Farmers | $4,149 | |
 | Country Financial | $4,433 | |
 | AAA | $5,998 |  |
Best homeowners insurance companies in Minnesota
North Star Mutual’s price and coverage options help make it Minnesota’s best homeowners insurance company.
American Family has the best customer service ratings. These include satisfaction scores Overall customer satisfaction ratings are based on customer surveys grading insurance companies price, problem resolution and other factors. Higher scores are better. from J.D. Power and the National Association of Insurance Commissioners’ (NAIC) Complaint Index.
State Farm stands out as the state’s best large home insurance company. It has a satisfaction score that’s better than average, plus a convenient website and smartphone app.
Best MN insurance companies at a glance
| Company | Annual rate | Customer satisfaction* | Complaint rating** | LendingTree score |
|---|---|---|---|---|
| Best overall: North Star Mutual | $2,001 | Not rated | 0.8 (Good) | |
| Best customer service: American Family | $2,774 | 638 (Average) | 0.49 (Excellent) | |
| Best large company: State Farm | $3,399 | 643 (Above average) | 1.05 (Average) | |
*Source: J.D. Power 2024 U.S. Home Insurance Study. Higher is better; 640 is average.
**Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Find the Cheapest Home Insurance Quotes in Minnesota
Best overall home insurance company: North Star Mutual
Along with cheap home insurance rates, North Star Mutual offers flexible coverage options. These include a
replacement cost
Replacement cost coverage replaces damaged or stolen items with new ones, with no deduction for depreciation.
upgrade for your belongings. It also offers watercraft and RV liability.
North State Mutual’s good complaint rating shows that it gets fewer complaints than average. However, it doesn’t offer online quotes or claims.
Pros
Cheapest average home insurance rate in Minnesota
Upgrades can boost your protection
Discounts for new homes and mature homeowners
Cons
No online quotes and claims
Best customer service: American Family
American Family’s complaint rating shows that it gets half as many complaints as average. On the coverage side, American Family offers useful add-ons that many other companies don’t have. These include protections from hidden appliance leaks and flash floods.
American Family also has coverages for home-based businesses and short-term rentals. These add-ons can protect you from risks that standard home insurance usually doesn’t cover.
Pros
Excellent NAIC complaint rating
Useful add-ons for extra protection
Coverage available for short-term rentals
Cons
Satisfaction rating from J.D. Power is just average
Best large company: State Farm
State Farm’s customer satisfaction rating gives it the edge over the other large companies in Minnesota.
Large companies like State Farm have the resources to provide services and features some smaller companies don’t have. State Farm offers online quotes and claims on its user-friendly website. Its highly-rated smartphone app offers even more convenience.
Pros
Customer satisfaction rating beats the industry average
Rates are cheaper than state average
Convenient website and smartphone app
Cons
Complaint rating is just average
Higher rates than some competitors
How much is homeowners insurance in Minnesota?
Homeowners insurance costs an average of $3,642 a year in Minnesota, or $304 a month.
Your actual rate depends on factors like:
- Your home’s size and construction features
- The amount of coverage you need
- Your location and credit
- The discounts you qualify to receive
Each insurance company weighs these factors differently and offers different discounts. This is why it’s good to compare home insurance quotes from a few different companies when you buy or renew your policy.
Find the Cheapest Home Insurance Quotes in Minnesota
Home insurance rates by coverage amounts
Your policy’s
dwelling limit
Your dwelling limit is the most your insurance company will pay to repair or rebuild your home.
has a large impact on your insurance rate. For example, a policy with a $450,000 dwelling limit costs 27% more than one with a $350,000 limit. The difference works out to $858 a year, or $72 a month.
If you have a mortgage, your dwelling limit has to match your home’s replacement value A home’s replacement value is the estimated cost of rebuilding it from the ground up. This is usually lower than its market value. . You can choose a lower amount if you have a low loan balance or no mortgage. However, reducing your coverage may also leave you short on insurance funds if you need to rebuild after a major disaster.
Insurance rates by dwelling limit
| Dwelling limit | Annual rate |
|---|---|
| $350,000 | $3,217 |
| $400,000 | $3,642 |
| $450,000 | $4,075 |
Minnesota home insurance rates by city
Rochester has the cheapest homeowners insurance among Minnesota’s largest cities. Its rates average $3,301 a year. Homeowners in St. Cloud have the next-cheapest rate at $3,506 a year.
Minneapolis has the state’s highest home insurance rates at $4,039 a year, or $337 a month. This is 11% higher than the state average. St. Paul homeowners have the next-highest rate at $326 a year.
Homeowners insurance rates near you
| City | Annual rate | Difference from state average |
|---|---|---|
| Ada | $3,578 | -2% |
| Adams | $3,514 | -4% |
| Adolph | $3,496 | -4% |
| Adrian | $3,646 | 0% |
| Afton | $3,963 | 9% |
| Ah Gwah Ching | $3,575 | -2% |
| Aitkin | $3,573 | -2% |
| Akeley | $3,513 | -4% |
| Albany | $3,358 | -8% |
| Albert Lea | $3,829 | 5% |
| Alberta | $3,745 | 3% |
| Albertville | $3,746 | 3% |
| Alborn | $3,586 | -2% |
| Alden | $3,849 | 6% |
| Aldrich | $3,566 | -2% |
| Alexandria | $3,612 | -1% |
| Almelund | $3,883 | 7% |
| Alpha | $3,691 | 1% |
| Altura | $3,507 | -4% |
| Alvarado | $3,688 | 1% |
| Amboy | $3,567 | -2% |
| Andover | $3,874 | 6% |
| Angle Inlet | $3,602 | -1% |
| Angora | $3,567 | -2% |
| Annandale | $3,674 | 1% |
| Anoka | $3,832 | 5% |
| Apple Valley | $3,707 | 2% |
| Appleton | $3,635 | 0% |
| Arco | $3,749 | 3% |
| Arden Hills | $3,893 | 7% |
| Argyle | $3,631 | 0% |
| Arlington | $3,824 | 5% |
| Arnold | $3,490 | -4% |
| Ashby | $3,628 | 0% |
| Askov | $3,483 | -4% |
| Atwater | $3,645 | 0% |
| Audubon | $3,656 | 0% |
| Aurora | $3,540 | -3% |
| Austin | $3,553 | -2% |
| Avoca | $3,763 | 3% |
| Avon | $3,356 | -8% |
| Babbitt | $3,399 | -7% |
| Backus | $3,590 | -1% |
| Badger | $3,631 | 0% |
| Bagley | $3,631 | 0% |
| Balaton | $3,693 | 1% |
| Barnesville | $3,552 | -2% |
| Barnum | $3,557 | -2% |
| Barrett | $3,610 | -1% |
| Barry | $3,732 | 2% |
| Battle Lake | $3,449 | -5% |
| Baudette | $3,575 | -2% |
| Baxter | $3,409 | -6% |
| Bayport | $3,845 | 6% |
| Beardsley | $3,644 | 0% |
| Beaver Creek | $3,607 | -1% |
| Becker | $3,885 | 7% |
| Bejou | $3,509 | -4% |
| Belgrade | $3,413 | -6% |
| Belle Plaine | $3,675 | 1% |
| Bellingham | $3,537 | -3% |
| Beltrami | $3,675 | 1% |
| Belview | $3,659 | 0% |
| Bemidji | $3,484 | -4% |
| Bena | $3,563 | -2% |
| Benedict | $3,561 | -2% |
| Benson | $3,535 | -3% |
| Bertha | $3,510 | -4% |
| Bethel | $3,903 | 7% |
| Big Falls | $3,653 | 0% |
| Big Lake | $3,783 | 4% |
| Bigelow | $3,711 | 2% |
| Bigfork | $3,613 | -1% |
| Bingham Lake | $3,733 | 2% |
| Birchdale | $3,637 | 0% |
| Birchwood Village | $3,966 | 9% |
| Bird Island | $3,751 | 3% |
| Biwabik | $3,479 | -4% |
| Blackduck | $3,543 | -3% |
| Blaine | $3,820 | 5% |
| Blomkest | $3,662 | 1% |
| Blooming Prairie | $3,784 | 4% |
| Bloomington | $3,794 | 4% |
| Blue Earth | $3,544 | -3% |
| Bluffton | $3,549 | -3% |
| Bock | $3,841 | 5% |
| Borup | $3,680 | 1% |
| Bovey | $3,545 | -3% |
| Bowlus | $3,466 | -5% |
| Bowstring | $3,577 | -2% |
| Boyd | $3,564 | -2% |
| Braham | $3,728 | 2% |
| Brainerd | $3,430 | -6% |
| Brandon | $3,539 | -3% |
| Breckenridge | $3,518 | -3% |
| Breezy Point | $3,438 | -6% |
| Brewster | $3,645 | 0% |
| Bricelyn | $3,555 | -2% |
| Brimson | $3,565 | -2% |
| Britt | $3,573 | -2% |
| Brook Park | $3,767 | 3% |
| Brooklyn Center | $3,776 | 4% |
| Brooklyn Park | $3,805 | 4% |
| Brooks | $3,691 | 1% |
| Brookston | $3,594 | -1% |
| Brooten | $3,417 | -6% |
| Browerville | $3,470 | -5% |
| Browns Valley | $3,701 | 2% |
| Brownsdale | $3,477 | -5% |
| Brownsville | $3,457 | -5% |
| Brownton | $3,536 | -3% |
| Bruno | $3,494 | -4% |
| Buffalo | $3,755 | 3% |
| Buffalo Lake | $3,828 | 5% |
| Buhl | $3,553 | -2% |
| Burnsville | $3,766 | 3% |
| Burtrum | $3,523 | -3% |
| Butterfield | $3,582 | -2% |
| Byron | $3,372 | -7% |
| Caledonia | $3,465 | -5% |
| Callaway | $3,630 | 0% |
| Calumet | $3,611 | -1% |
| Cambridge | $3,630 | 0% |
| Campbell | $3,618 | -1% |
| Canby | $3,687 | 1% |
| Cannon Falls | $3,634 | 0% |
| Canton | $3,451 | -5% |
| Canyon | $3,508 | -4% |
| Carlos | $3,539 | -3% |
| Carlton | $3,488 | -4% |
| Carver | $3,729 | 2% |
| Cass Lake | $3,510 | -4% |
| Cedar | $3,864 | 6% |
| Center City | $3,795 | 4% |
| Centerville | $3,900 | 7% |
| Ceylon | $3,498 | -4% |
| Champlin | $3,760 | 3% |
| Chandler | $3,773 | 4% |
| Chanhassen | $3,705 | 2% |
| Chaska | $3,705 | 2% |
| Chatfield | $3,379 | -7% |
| Chisago City | $3,829 | 5% |
| Chisholm | $3,587 | -2% |
| Chokio | $3,630 | 0% |
| Circle Pines | $3,793 | 4% |
| Clara City | $3,701 | 2% |
| Claremont | $3,449 | -5% |
| Clarissa | $3,452 | -5% |
| Clarkfield | $3,751 | 3% |
| Clarks Grove | $3,704 | 2% |
| Clear Lake | $3,848 | 6% |
| Clearbrook | $3,631 | 0% |
| Clearwater | $3,598 | -1% |
| Clements | $3,647 | 0% |
| Cleveland | $3,319 | -9% |
| Climax | $3,676 | 1% |
| Clinton | $3,634 | 0% |
| Clitherall | $3,499 | -4% |
| Clontarf | $3,673 | 1% |
| Cloquet | $3,663 | 1% |
| Cohasset | $3,548 | -3% |
| Cokato | $3,747 | 3% |
| Cold Spring | $3,386 | -7% |
| Coleraine | $3,547 | -3% |
| Cologne | $3,831 | 5% |
| Columbia Heights | $3,862 | 6% |
| Columbus | $3,905 | 7% |
| Comfrey | $3,658 | 0% |
| Comstock | $3,556 | -2% |
| Conger | $3,744 | 3% |
| Cook | $3,554 | -2% |
| Coon Rapids | $3,827 | 5% |
| Corcoran | $3,739 | 3% |
| Correll | $3,754 | 3% |
| Cosmos | $3,656 | 0% |
| Cottage Grove | $3,890 | 7% |
| Cotton | $3,565 | -2% |
| Cottonwood | $3,663 | 1% |
| Courtland | $3,641 | 0% |
| Crane Lake | $3,589 | -1% |
| Cromwell | $3,688 | 1% |
| Crookston | $3,618 | -1% |
| Crosby | $3,421 | -6% |
| Crosslake | $3,461 | -5% |
| Crystal | $3,818 | 5% |
| Crystal Bay | $3,821 | 5% |
| Currie | $3,734 | 3% |
| Cushing | $3,521 | -3% |
| Cyrus | $3,655 | 0% |
| Dakota | $3,458 | -5% |
| Dalbo | $3,700 | 2% |
| Dalton | $3,374 | -7% |
| Danube | $3,695 | 1% |
| Danvers | $3,577 | -2% |
| Darfur | $3,562 | -2% |
| Darwin | $3,656 | 0% |
| Dassel | $3,760 | 3% |
| Dawson | $3,595 | -1% |
| Dayton | $3,777 | 4% |
| Deephaven | $3,706 | 2% |
| Deer Creek | $3,572 | -2% |
| Deer River | $3,568 | -2% |
| Deerwood | $3,450 | -5% |
| Delano | $3,900 | 7% |
| Delavan | $3,608 | -1% |
| Dellwood | $3,899 | 7% |
| Dennison | $3,665 | 1% |
| Dent | $3,571 | -2% |
| Detroit Lakes | $3,572 | -2% |
| Dexter | $3,577 | -2% |
| Dilworth | $3,501 | -4% |
| Dodge Center | $3,488 | -4% |
| Donaldson | $3,664 | 1% |
| Donnelly | $3,519 | -3% |
| Dover | $3,470 | -5% |
| Dovray | $3,753 | 3% |
| Duluth | $3,524 | -3% |
| Dumont | $3,722 | 2% |
| Dundas | $3,675 | 1% |
| Dunnell | $3,524 | -3% |
| Eagan | $3,854 | 6% |
| Eagle Bend | $3,440 | -6% |
| Eagle Lake | $3,556 | -2% |
| East Bethel | $3,822 | 5% |
| East Grand Forks | $3,637 | 0% |
| East Gull Lake | $3,477 | -5% |
| Easton | $3,570 | -2% |
| Echo | $3,804 | 4% |
| Eden Prairie | $3,706 | 2% |
| Eden Valley | $3,534 | -3% |
| Edgerton | $3,601 | -1% |
| Edina | $3,698 | 2% |
| Effie | $3,578 | -2% |
| Eitzen | $3,437 | -6% |
| Elbow Lake | $3,615 | -1% |
| Elgin | $3,436 | -6% |
| Elizabeth | $3,537 | -3% |
| Elk River | $3,867 | 6% |
| Elko New Market | $3,816 | 5% |
| Elkton | $3,550 | -3% |
| Ellendale | $3,680 | 1% |
| Ellsworth | $3,712 | 2% |
| Elmore | $3,543 | -3% |
| Elrosa | $3,400 | -7% |
| Ely | $3,526 | -3% |
| Elysian | $3,621 | -1% |
| Embarrass | $3,523 | -3% |
| Emily | $3,473 | -5% |
| Emmons | $3,858 | 6% |
| Erhard | $3,517 | -3% |
| Erskine | $3,697 | 2% |
| Esko | $3,576 | -2% |
| Essig | $3,600 | -1% |
| Euclid | $3,742 | 3% |
| Evansville | $3,574 | -2% |
| Eveleth | $3,558 | -2% |
| Excelsior | $3,951 | 8% |
| Eyota | $3,366 | -8% |
| Fairfax | $3,706 | 2% |
| Fairmont | $3,490 | -4% |
| Falcon Heights | $3,784 | 4% |
| Faribault | $3,630 | 0% |
| Farmington | $3,704 | 2% |
| Farwell | $3,557 | -2% |
| Federal Dam | $3,546 | -3% |
| Felton | $3,635 | 0% |
| Fergus Falls | $3,423 | -6% |
| Fertile | $3,691 | 1% |
| Fifty Lakes | $3,465 | -5% |
| Finland | $3,443 | -5% |
| Finlayson | $3,748 | 3% |
| Fisher | $3,690 | 1% |
| Flensburg | $3,551 | -3% |
| Flom | $3,653 | 0% |
| Floodwood | $3,575 | -2% |
| Foley | $3,594 | -1% |
| Forbes | $3,553 | -2% |
| Forest Lake | $3,937 | 8% |
| Foreston | $3,781 | 4% |
| Fort Ripley | $3,492 | -4% |
| Fosston | $3,638 | 0% |
| Fountain | $3,426 | -6% |
| Foxhome | $3,600 | -1% |
| Franklin | $3,639 | 0% |
| Frazee | $3,611 | -1% |
| Freeborn | $3,751 | 3% |
| Freeport | $3,374 | -7% |
| Fridley | $3,812 | 5% |
| Frontenac | $3,681 | 1% |
| Frost | $3,552 | -2% |
| Fulda | $3,645 | 0% |
| Garden City | $3,676 | 1% |
| Garfield | $3,529 | -3% |
| Garrison | $3,465 | -5% |
| Garvin | $3,671 | 1% |
| Gary | $3,634 | 0% |
| Gatzke | $3,664 | 1% |
| Gaylord | $3,678 | 1% |
| Genola | $3,590 | -1% |
| Georgetown | $3,578 | -2% |
| Ghent | $3,600 | -1% |
| Gibbon | $3,637 | 0% |
| Gilbert | $3,493 | -4% |
| Gilman | $3,698 | 2% |
| Glencoe | $3,675 | 1% |
| Glenville | $3,827 | 5% |
| Glenwood | $3,522 | -3% |
| Glyndon | $3,597 | -1% |
| Golden Valley | $3,802 | 4% |
| Gonvick | $3,667 | 1% |
| Good Thunder | $3,567 | -2% |
| Goodhue | $3,729 | 2% |
| Goodland | $3,612 | -1% |
| Goodridge | $3,530 | -3% |
| Goodview | $3,442 | -5% |
| Graceville | $3,633 | 0% |
| Granada | $3,495 | -4% |
| Grand Marais | $3,495 | -4% |
| Grand Meadow | $3,476 | -5% |
| Grand Portage | $3,515 | -3% |
| Grand Rapids | $3,558 | -2% |
| Grandy | $3,722 | 2% |
| Granite Falls | $3,723 | 2% |
| Grant | $3,954 | 9% |
| Grasston | $3,636 | 0% |
| Green Isle | $3,846 | 6% |
| Greenbush | $3,631 | 0% |
| Greenfield | $3,697 | 1% |
| Greenwald | $3,461 | -5% |
| Greenwood | $3,799 | 4% |
| Grey Eagle | $3,456 | -5% |
| Grove City | $3,754 | 3% |
| Grygla | $3,713 | 2% |
| Gully | $3,713 | 2% |
| Hackensack | $3,619 | -1% |
| Hallock | $3,626 | 0% |
| Halma | $3,644 | 0% |
| Halstad | $3,594 | -1% |
| Ham Lake | $3,900 | 7% |
| Hamburg | $3,853 | 6% |
| Hamel | $3,829 | 5% |
| Hampton | $3,826 | 5% |
| Hancock | $3,722 | 2% |
| Hanley Falls | $3,717 | 2% |
| Hanover | $3,687 | 1% |
| Hanska | $3,603 | -1% |
| Hardwick | $3,613 | -1% |
| Harmony | $3,433 | -6% |
| Harris | $3,717 | 2% |
| Hartland | $3,715 | 2% |
| Hastings | $3,790 | 4% |
| Hawley | $3,544 | -3% |
| Hayfield | $3,406 | -6% |
| Hayward | $3,823 | 5% |
| Hector | $3,692 | 1% |
| Henderson | $3,685 | 1% |
| Hendricks | $3,703 | 2% |
| Hendrum | $3,620 | -1% |
| Henning | $3,491 | -4% |
| Henriette | $3,702 | 2% |
| Herman | $3,610 | -1% |
| Hermantown | $3,599 | -1% |
| Heron Lake | $3,592 | -1% |
| Hewitt | $3,495 | -4% |
| Hibbing | $3,569 | -2% |
| Hill City | $3,566 | -2% |
| Hillman | $3,416 | -6% |
| Hills | $3,561 | -2% |
| Hilltop | $3,842 | 6% |
| Hinckley | $3,620 | -1% |
| Hines | $3,577 | -2% |
| Hitterdal | $3,642 | 0% |
| Hoffman | $3,623 | -1% |
| Hokah | $3,478 | -5% |
| Holdingford | $3,377 | -7% |
| Holland | $3,661 | 1% |
| Hollandale | $3,700 | 2% |
| Holloway | $3,683 | 1% |
| Holmes City | $3,649 | 0% |
| Holyoke | $3,624 | -1% |
| Hopkins | $3,725 | 2% |
| Houston | $3,446 | -5% |
| Hovland | $3,561 | -2% |
| Howard Lake | $3,730 | 2% |
| Hoyt Lakes | $3,498 | -4% |
| Hugo | $3,903 | 7% |
| Humboldt | $3,644 | 0% |
| Huntley | $3,696 | 1% |
| Hutchinson | $3,649 | 0% |
| Ihlen | $3,658 | 0% |
| Independence | $3,891 | 7% |
| International Falls | $3,589 | -1% |
| Inver Grove Heights | $3,845 | 6% |
| Iona | $3,754 | 3% |
| Iron | $3,418 | -6% |
| Ironton | $3,454 | -5% |
| Isabella | $3,444 | -5% |
| Isanti | $3,654 | 0% |
| Isle | $3,719 | 2% |
| Ivanhoe | $3,634 | 0% |
| Jackson | $3,597 | -1% |
| Jacobson | $3,511 | -4% |
| Janesville | $3,624 | -1% |
| Jasper | $3,603 | -1% |
| Jeffers | $3,725 | 2% |
| Jenkins | $3,561 | -2% |
| Jordan | $3,771 | 4% |
| Kabetogama | $3,645 | 0% |
| Kanaranzi | $3,697 | 2% |
| Kandiyohi | $3,669 | 1% |
| Karlstad | $3,631 | 0% |
| Kasota | $3,620 | -1% |
| Kasson | $3,432 | -6% |
| Keewatin | $3,595 | -1% |
| Kelliher | $3,490 | -4% |
| Kellogg | $3,564 | -2% |
| Kennedy | $3,644 | 0% |
| Kenneth | $3,613 | -1% |
| Kensington | $3,564 | -2% |
| Kent | $3,616 | -1% |
| Kenyon | $3,687 | 1% |
| Kerkhoven | $3,483 | -4% |
| Kerrick | $3,679 | 1% |
| Kettle River | $3,646 | 0% |
| Kiester | $3,837 | 5% |
| Kilkenny | $3,637 | 0% |
| Kimball | $3,449 | -5% |
| Kinney | $3,571 | -2% |
| Knife River | $3,368 | -8% |
| La Crescent | $3,519 | -3% |
| La Salle | $3,641 | 0% |
| Lafayette | $3,679 | 1% |
| Lake Benton | $3,663 | 1% |
| Lake Bronson | $3,661 | 1% |
| Lake City | $3,535 | -3% |
| Lake Crystal | $3,555 | -2% |
| Lake Elmo | $3,983 | 9% |
| Lake George | $3,594 | -1% |
| Lake Hubert | $3,570 | -2% |
| Lake Lillian | $3,551 | -3% |
| Lake Park | $3,665 | 1% |
| Lake Shore | $3,485 | -4% |
| Lake St. Croix Beach | $4,004 | 10% |
| Lake Wilson | $3,768 | 3% |
| Lakefield | $3,473 | -5% |
| Lakeland | $4,010 | 10% |
| Lakeville | $3,750 | 3% |
| Lamberton | $3,615 | -1% |
| Lancaster | $3,644 | 0% |
| Lanesboro | $3,433 | -6% |
| Laporte | $3,534 | -3% |
| Lastrup | $3,590 | -1% |
| Lauderdale | $3,798 | 4% |
| Le Center | $3,566 | -2% |
| Le Roy | $3,474 | -5% |
| Le Sueur | $3,555 | -2% |
| Lengby | $3,651 | 0% |
| Leonard | $3,617 | -1% |
| Leota | $3,712 | 2% |
| Lester Prairie | $3,734 | 3% |
| Lewiston | $3,573 | -2% |
| Lewisville | $3,594 | -1% |
| Lexington | $3,861 | 6% |
| Lilydale | $3,795 | 4% |
| Lindstrom | $3,851 | 6% |
| Lino Lakes | $3,829 | 5% |
| Lismore | $3,678 | 1% |
| Litchfield | $3,698 | 2% |
| Little Canada | $3,876 | 6% |
| Little Falls | $3,414 | -6% |
| Little Rock | $3,571 | -2% |
| Littlefork | $3,649 | 0% |
| Loman | $3,666 | 1% |
| Long Lake | $3,938 | 8% |
| Long Prairie | $3,653 | 0% |
| Longville | $3,676 | 1% |
| Lonsdale | $3,644 | 0% |
| Loretto | $3,767 | 3% |
| Lowry | $3,521 | -3% |
| Lucan | $3,724 | 2% |
| Lutsen | $3,516 | -3% |
| Luverne | $3,516 | -3% |
| Lyle | $3,498 | -4% |
| Lynd | $3,652 | 0% |
| Mabel | $3,539 | -3% |
| Madelia | $3,507 | -4% |
| Madison | $3,587 | -2% |
| Madison Lake | $3,470 | -5% |
| Magnolia | $3,609 | -1% |
| Mahnomen | $3,596 | -1% |
| Mahtomedi | $3,938 | 8% |
| Mahtowa | $3,553 | -2% |
| Makinen | $3,498 | -4% |
| Mankato | $3,598 | -1% |
| Mantorville | $3,360 | -8% |
| Maple Grove | $3,841 | 5% |
| Maple Lake | $3,714 | 2% |
| Maple Plain | $3,904 | 7% |
| Mapleton | $3,543 | -3% |
| Maplewood | $3,861 | 6% |
| Marble | $3,464 | -5% |
| Marcell | $3,627 | 0% |
| Margie | $3,653 | 0% |
| Marietta | $3,659 | 0% |
| Marine on St. Croix | $3,985 | 9% |
| Marshall | $3,553 | -2% |
| Martin Lake | $3,859 | 6% |
| Max | $3,617 | -1% |
| Mayer | $3,829 | 5% |
| Maynard | $3,663 | 1% |
| Mazeppa | $3,527 | -3% |
| Mc Grath | $3,628 | 0% |
| McGregor | $3,644 | 0% |
| McIntosh | $3,704 | 2% |
| Meadowlands | $3,631 | 0% |
| Medford | $3,592 | -1% |
| Medicine Lake | $3,831 | 5% |
| Medina | $3,694 | 1% |
| Melrose | $3,372 | -7% |
| Melrude | $3,550 | -3% |
| Menahga | $3,549 | -3% |
| Mendota | $3,747 | 3% |
| Mendota Heights | $3,864 | 6% |
| Mentor | $3,500 | -4% |
| Merrifield | $3,408 | -6% |
| Middle River | $3,703 | 2% |
| Milaca | $3,899 | 7% |
| Milan | $3,604 | -1% |
| Millville | $3,582 | -2% |
| Milroy | $3,576 | -2% |
| Miltona | $3,539 | -3% |
| Minneapolis | $4,039 | 11% |
| Minneota | $3,660 | 1% |
| Minnesota City | $3,641 | 0% |
| Minnesota Lake | $3,559 | -2% |
| Minnetonka | $3,772 | 4% |
| Minnetonka Beach | $3,797 | 4% |
| Minnetrista | $3,918 | 8% |
| Mizpah | $3,671 | 1% |
| Montevideo | $3,610 | -1% |
| Montgomery | $3,526 | -3% |
| Monticello | $3,669 | 1% |
| Montrose | $3,832 | 5% |
| Moorhead | $3,474 | -5% |
| Moose Lake | $3,522 | -3% |
| Mora | $3,788 | 4% |
| Morgan | $3,600 | -1% |
| Morris | $3,611 | -1% |
| Morristown | $3,625 | 0% |
| Morton | $3,660 | 1% |
| Motley | $3,444 | -5% |
| Mound | $3,834 | 5% |
| Mounds View | $3,822 | 5% |
| Mountain Iron | $3,514 | -4% |
| Mountain Lake | $3,636 | 0% |
| Murdock | $3,596 | -1% |
| Nashua | $3,618 | -1% |
| Nashwauk | $3,560 | -2% |
| Navarre | $3,770 | 4% |
| Naytahwaush | $3,670 | 1% |
| Nelson | $3,531 | -3% |
| Nerstrand | $3,653 | 0% |
| Nett Lake | $3,544 | -3% |
| Nevis | $3,505 | -4% |
| New Brighton | $3,887 | 7% |
| New Germany | $3,984 | 9% |
| New Hope | $3,878 | 6% |
| New London | $3,579 | -2% |
| New Munich | $3,495 | -4% |
| New Prague | $3,741 | 3% |
| New Richland | $3,597 | -1% |
| New Ulm | $3,589 | -1% |
| New York Mills | $3,496 | -4% |
| Newfolden | $3,445 | -5% |
| Newport | $3,951 | 8% |
| Nicollet | $3,753 | 3% |
| Nielsville | $3,658 | 0% |
| Nimrod | $3,651 | 0% |
| Nisswa | $3,417 | -6% |
| Norcross | $3,707 | 2% |
| North Branch | $3,684 | 1% |
| North Mankato | $3,700 | 2% |
| North Oaks | $3,888 | 7% |
| North St. Paul | $3,941 | 8% |
| Northfield | $3,634 | 0% |
| Northome | $3,575 | -2% |
| Northrop | $3,494 | -4% |
| Norwood | $3,847 | 6% |
| Norwood Young America | $3,778 | 4% |
| Nowthen | $3,864 | 6% |
| Noyes | $3,631 | 0% |
| Oak Grove | $3,892 | 7% |
| Oak Island | $3,471 | -5% |
| Oak Park | $3,701 | 2% |
| Oak Park Heights | $3,916 | 8% |
| Oakdale | $3,957 | 9% |
| Oakport | $3,521 | -3% |
| Odessa | $3,734 | 3% |
| Odin | $3,674 | 1% |
| Ogema | $3,623 | -1% |
| Ogilvie | $3,812 | 5% |
| Okabena | $3,494 | -4% |
| Oklee | $3,658 | 0% |
| Olivia | $3,629 | 0% |
| Onamia | $3,823 | 5% |
| Ormsby | $3,602 | -1% |
| Orono | $3,750 | 3% |
| Oronoco | $3,330 | -9% |
| Orr | $3,473 | -5% |
| Ortonville | $3,607 | -1% |
| Osage | $3,650 | 0% |
| Osakis | $3,472 | -5% |
| Oslo | $3,621 | -1% |
| Osseo | $3,804 | 4% |
| Ostrander | $3,470 | -5% |
| Otsego | $3,717 | 2% |
| Ottertail | $3,495 | -4% |
| Outing | $3,577 | -2% |
| Owatonna | $3,645 | 0% |
| Palisade | $3,589 | -1% |
| Park Rapids | $3,535 | -3% |
| Parkers Prairie | $3,511 | -4% |
| Paynesville | $3,381 | -7% |
| Pease | $3,661 | 1% |
| Pelican Rapids | $3,535 | -3% |
| Pemberton | $3,461 | -5% |
| Pengilly | $3,540 | -3% |
| Pennington | $3,580 | -2% |
| Pennock | $3,582 | -2% |
| Pequot Lakes | $3,446 | -5% |
| Perham | $3,470 | -5% |
| Perley | $3,657 | 0% |
| Peterson | $3,485 | -4% |
| Pierz | $3,492 | -4% |
| Pillager | $3,543 | -3% |
| Pine City | $3,719 | 2% |
| Pine Island | $3,463 | -5% |
| Pine River | $3,556 | -2% |
| Pipestone | $3,598 | -1% |
| Plainview | $3,546 | -3% |
| Plato | $3,763 | 3% |
| Plummer | $3,703 | 2% |
| Plymouth | $3,796 | 4% |
| Ponemah | $3,606 | -1% |
| Ponsford | $3,638 | 0% |
| Porter | $3,744 | 3% |
| Preston | $3,433 | -6% |
| Princeton | $3,845 | 6% |
| Prinsburg | $3,649 | 0% |
| Prior Lake | $3,718 | 2% |
| Proctor | $3,558 | -2% |
| Puposky | $3,564 | -2% |
| Racine | $3,445 | -5% |
| Ramsey | $3,881 | 7% |
| Randall | $3,477 | -5% |
| Randolph | $3,779 | 4% |
| Ranier | $3,571 | -2% |
| Raymond | $3,545 | -3% |
| Reading | $3,732 | 2% |
| Reads Landing | $3,534 | -3% |
| Red Lake Falls | $3,580 | -2% |
| Red Wing | $3,696 | 1% |
| Redby | $3,588 | -1% |
| Redlake | $3,463 | -5% |
| Redwood Falls | $3,580 | -2% |
| Remer | $3,585 | -2% |
| Renville | $3,686 | 1% |
| Revere | $3,700 | 2% |
| Rice | $3,549 | -3% |
| Richfield | $3,773 | 4% |
| Richmond | $3,376 | -7% |
| Richville | $3,534 | -3% |
| Richwood | $3,675 | 1% |
| Robbinsdale | $3,859 | 6% |
| Rochert | $3,621 | -1% |
| Rochester | $3,301 | -9% |
| Rock Creek | $3,703 | 2% |
| Rockford | $3,716 | 2% |
| Rockville | $3,380 | -7% |
| Rogers | $3,802 | 4% |
| Rollingstone | $3,462 | -5% |
| Roosevelt | $3,651 | 0% |
| Roscoe | $3,463 | -5% |
| Rose Creek | $3,508 | -4% |
| Roseau | $3,618 | -1% |
| Rosemount | $3,796 | 4% |
| Roseville | $3,848 | 6% |
| Rothsay | $3,543 | -3% |
| Round Lake | $3,610 | -1% |
| Royalton | $3,419 | -6% |
| Rush City | $3,968 | 9% |
| Rushford | $3,433 | -6% |
| Rushford Village | $3,433 | -6% |
| Rushmore | $3,600 | -1% |
| Russell | $3,671 | 1% |
| Ruthton | $3,628 | 0% |
| Sabin | $3,562 | -2% |
| Sacred Heart | $3,715 | 2% |
| Saginaw | $3,444 | -5% |
| Salol | $3,684 | 1% |
| Sanborn | $3,632 | 0% |
| Sandstone | $3,674 | 1% |
| Santiago | $3,935 | 8% |
| Sargeant | $3,526 | -3% |
| Sartell | $3,447 | -5% |
| Sauk Centre | $3,392 | -7% |
| Sauk Rapids | $3,526 | -3% |
| Savage | $3,653 | 0% |
| Sawyer | $3,725 | 2% |
| Scandia | $3,948 | 8% |
| Scanlon | $3,638 | 0% |
| Schroeder | $3,510 | -4% |
| Seaforth | $3,724 | 2% |
| Searles | $3,674 | 1% |
| Sebeka | $3,574 | -2% |
| Shafer | $3,814 | 5% |
| Shakopee | $3,720 | 2% |
| Shelly | $3,619 | -1% |
| Sherburn | $3,494 | -4% |
| Shevlin | $3,678 | 1% |
| Shoreview | $3,895 | 7% |
| Shorewood | $3,832 | 5% |
| Side Lake | $3,519 | -3% |
| Silver Bay | $3,380 | -7% |
| Silver Creek | $3,866 | 6% |
| Silver Lake | $3,614 | -1% |
| Slayton | $3,659 | 0% |
| Sleepy Eye | $3,545 | -3% |
| Solway | $3,582 | -2% |
| Soudan | $3,500 | -4% |
| South Haven | $3,654 | 0% |
| South International Falls | $3,629 | 0% |
| South St. Paul | $3,844 | 6% |
| Spicer | $3,709 | 2% |
| Spring Grove | $3,464 | -5% |
| Spring Lake | $3,564 | -2% |
| Spring Lake Park | $3,844 | 6% |
| Spring Park | $3,926 | 8% |
| Spring Valley | $3,432 | -6% |
| Springfield | $3,592 | -1% |
| Squaw Lake | $3,601 | -1% |
| St. Anthony | $3,804 | 4% |
| St. Augusta | $3,386 | -7% |
| St. Bonifacius | $3,915 | 7% |
| St. Charles | $3,502 | -4% |
| St. Clair | $3,537 | -3% |
| St. Cloud | $3,506 | -4% |
| St. Francis | $3,798 | 4% |
| St. Hilaire | $3,522 | -3% |
| St. James | $3,528 | -3% |
| St. Joseph | $3,325 | -9% |
| St. Louis Park | $3,774 | 4% |
| St. Marys Point | $4,004 | 10% |
| St. Michael | $3,740 | 3% |
| St. Paul | $3,911 | 7% |
| St. Paul Park | $3,967 | 9% |
| St. Peter | $3,606 | -1% |
| St. Rosa | $3,481 | -4% |
| St. Stephen | $3,314 | -9% |
| St. Vincent | $3,638 | 0% |
| Stacy | $3,786 | 4% |
| Stanchfield | $3,712 | 2% |
| Staples | $3,534 | -3% |
| Starbuck | $3,500 | -4% |
| Steen | $3,629 | 0% |
| Stephen | $3,408 | -6% |
| Stewart | $3,663 | 1% |
| Stewartville | $3,334 | -8% |
| Stillwater | $3,836 | 5% |
| Stockton | $3,574 | -2% |
| Storden | $3,740 | 3% |
| Strandquist | $3,549 | -3% |
| Strathcona | $3,651 | 0% |
| Sturgeon Lake | $3,750 | 3% |
| Sunburg | $3,601 | -1% |
| Sunfish Lake | $3,905 | 7% |
| Swan River | $3,596 | -1% |
| Swanville | $3,469 | -5% |
| Swatara | $3,513 | -4% |
| Swift | $3,633 | 0% |
| Taconite | $3,609 | -1% |
| Talmoon | $3,504 | -4% |
| Tamarack | $3,686 | 1% |
| Taopi | $3,637 | 0% |
| Taunton | $3,610 | -1% |
| Taylors Falls | $3,846 | 6% |
| Tenstrike | $3,567 | -2% |
| The Lakes | $3,672 | 1% |
| Thief River Falls | $3,461 | -5% |
| Tintah | $3,725 | 2% |
| Tofte | $3,513 | -4% |
| Tonka Bay | $3,722 | 2% |
| Tower | $3,518 | -3% |
| Tracy | $3,590 | -1% |
| Trail | $3,689 | 1% |
| Trimont | $3,371 | -7% |
| Truman | $3,476 | -5% |
| Twig | $3,518 | -3% |
| Twin Lakes | $3,949 | 8% |
| Twin Valley | $3,596 | -1% |
| Two Harbors | $3,415 | -6% |
| Tyler | $3,761 | 3% |
| Ulen | $3,611 | -1% |
| Underwood | $3,541 | -3% |
| Upsala | $3,467 | -5% |
| Utica | $3,463 | -5% |
| Vadnais Heights | $3,955 | 9% |
| Vergas | $3,566 | -2% |
| Verndale | $3,580 | -2% |
| Vernon Center | $3,543 | -3% |
| Vesta | $3,724 | 2% |
| Victoria | $3,684 | 1% |
| Viking | $3,461 | -5% |
| Villard | $3,601 | -1% |
| Vining | $3,481 | -4% |
| Virginia | $3,549 | -3% |
| Wabasha | $3,512 | -4% |
| Wabasso | $3,729 | 2% |
| Waconia | $3,715 | 2% |
| Wadena | $3,451 | -5% |
| Wahkon | $3,677 | 1% |
| Waite Park | $3,338 | -8% |
| Waldorf | $3,576 | -2% |
| Walker | $3,504 | -4% |
| Walnut Grove | $3,630 | 0% |
| Waltham | $3,528 | -3% |
| Wanamingo | $3,632 | 0% |
| Wanda | $3,744 | 3% |
| Wannaska | $3,651 | 0% |
| Warba | $3,567 | -2% |
| Warren | $3,597 | -1% |
| Warroad | $3,619 | -1% |
| Warsaw | $3,760 | 3% |
| Waseca | $3,656 | 0% |
| Waskish | $3,635 | 0% |
| Watertown | $3,805 | 4% |
| Waterville | $3,613 | -1% |
| Watkins | $3,561 | -2% |
| Watson | $3,708 | 2% |
| Waubun | $3,666 | 1% |
| Waverly | $3,754 | 3% |
| Wayzata | $3,834 | 5% |
| Webster | $3,759 | 3% |
| Welch | $3,799 | 4% |
| Welcome | $3,485 | -4% |
| Wells | $3,817 | 5% |
| Wendell | $3,702 | 2% |
| West Concord | $3,275 | -10% |
| West St. Paul | $3,871 | 6% |
| West Union | $3,525 | -3% |
| Westbrook | $3,568 | -2% |
| Wheaton | $3,637 | 0% |
| White Bear Lake | $3,824 | 5% |
| Willernie | $3,742 | 3% |
| Williams | $3,634 | 0% |
| Willmar | $3,560 | -2% |
| Willow River | $3,700 | 2% |
| Wilmont | $3,697 | 2% |
| Windom | $3,702 | 2% |
| Winger | $3,491 | -4% |
| Winnebago | $3,570 | -2% |
| Winona | $3,377 | -7% |
| Winsted | $3,779 | 4% |
| Winthrop | $3,724 | 2% |
| Winton | $3,491 | -4% |
| Wirt | $3,617 | -1% |
| Wolverton | $3,613 | -1% |
| Wood Lake | $3,810 | 5% |
| Woodbury | $3,845 | 6% |
| Woodland | $3,770 | 4% |
| Woodstock | $3,675 | 1% |
| Worthington | $3,577 | -2% |
| Wrenshall | $3,590 | -1% |
| Wright | $3,700 | 2% |
| Wykoff | $3,416 | -6% |
| Wyoming | $3,794 | 4% |
| Young America | $3,779 | 4% |
| Zimmerman | $3,873 | 6% |
| Zumbro Falls | $3,537 | -3% |
| Zumbrota | $3,623 | -1% |
Flood insurance in Minnesota
The average cost of flood insurance in Minnesota is $1,020 a year, or $85 a month.
Standard homeowners insurance does not cover flood damage. However, you can get flood insurance to protect your home from this risk. Your lender will make you get it for a mortgage in a high-risk flood zone. It’s otherwise optional, though often worth considering.
The Federal Emergency Management Agency (FEMA) has mapped the flood risks in most Minnesota communities. You can find a home’s flood zone online in the FEMA Flood Map Service Center. Any zone label that begins with the letter A or V is high risk.
Most flood insurance is issued through the National Flood Insurance Program (NFIP), which is managed by FEMA. However, a few private companies also offer it.
The actual price you pay for flood insurance depends on factors like your home’s flood risks and design features:
- Rates average $149 a month in areas with the greatest chances of flooding.
- Flood insurance only costs an average of $64 a month in low-risk areas.
- You can often get a discount if you elevate your home or essential appliances.
You can get an NFIP flood insurance quote from any FEMA-authorized insurance agent. Start with your current agent, or the agents you contact for home insurance quotes. If they can’t help, you can find one in FEMA’s online provider directory.