Home Insurance in Centerville, Minnesota
Homes in Centerville carry a median value of $376,900 - 9% higher than the Anoka County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Centerville was built around 1993. About 4% of homes were built before 1960, about 9 points below Anoka County's 13%.
In Centerville, the housing stock is 91% single-family homes and 7% apartments in buildings with 5+ units.
About 74% of owner-occupied homes in Centerville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Centerville are owner-occupied.
Most homes in Centerville - 84% - are primarily heated with natural gas.
What's the biggest home insurance risk near Centerville? 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 | $376,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)