Home Insurance in Circle Pines, Minnesota
With a median home value of $293,600, Circle Pines is 15% lower than the Anoka County median.
The typical home in Circle Pines was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 15 points above Anoka County's 13%.
In Circle Pines, the housing stock is 88% single-family homes and 8% apartments in buildings with 5+ units.
73% of owner-occupied homes in Circle Pines carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Circle Pines has an owner-occupancy rate of 87% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
83% of homes in Circle Pines are primarily heated with natural gas.
Anoka County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $293,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)