Home Insurance in Coon Rapids, Minnesota
Homes in Coon Rapids carry a median value of $305,800 - 12% lower than the Anoka County median.
The typical home in Coon Rapids was built around 1983. About 13% of homes were built before 1960, in line with Anoka County (13%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Coon Rapids breaks down to 79% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Coon Rapids, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Coon Rapids are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Coon Rapids, 82% of homes are primarily heated with natural gas.
Anoka County had 259 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $305,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)