Home Insurance in Columbia Heights, Minnesota
With a median home value of $277,600, Columbia Heights is 20% lower than the Anoka County median.
The typical home in Columbia Heights was built around 1963. About 45% of homes were built before 1960, about 31 points above Anoka County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Columbia Heights, the housing stock is 70% single-family homes and 24% apartments in buildings with 5+ units.
About 74% of owner-occupied homes in Columbia Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Columbia Heights are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Columbia Heights, 79% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Columbia Heights? 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.
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 | $277,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 66% |
| 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)