Home Insurance in Anoka County, Minnesota
With a median home value of $346,500, Anoka County is 5% higher than the Minnesota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Anoka County was built around 1986. About 13% of homes were built before 1960, about 15 points below Minnesota's 29%.
The housing stock in Anoka County is 81% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Anoka County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Anoka County are owner-occupied.
Most homes in Anoka County - 83% - are primarily heated with natural gas.
The top hazards for Anoka County, per FEMA's National Risk Index, are strong wind (Very High), hail (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Anoka County has 259 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 | $346,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Hail (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 259 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Andover
- Anoka
- Bethel
- Centerville
- Circle Pines
- Columbia Heights
- Columbus
- Coon Rapids
- East Bethel
- Fridley
- Ham Lake
- Hilltop
- Lexington
- Lino Lakes
- Nowthen
- Oak Grove
- Ramsey
- Spring Lake Park
Smaller communities
-
Blaine
- Median home value: $352,400
- Median year built: 1996
- Owner-occupied share: 85%
-
St. Francis
- Median home value: $327,600
- Median year built: 2001
- Owner-occupied share: 86%
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)