Home Insurance in Anoka, Minnesota
Homes in Anoka carry a median value of $308,700 - 11% lower than the Anoka County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Anoka was built around 1973. About 26% of homes were built before 1960, about 12 points above Anoka County's 13%.
The housing stock in Anoka is 59% single-family homes and 38% apartments in buildings with 5+ units.
72% of owner-occupied homes in Anoka carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Anoka has an owner-occupancy rate of 57% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Anoka, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Anoka? FEMA's National Risk Index points to strong wind (Very High) in Anoka County and Anoka County had 259 active NFIP flood policies as of September 2026. See the full Anoka County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $308,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Anoka County | 259 |
| 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)