Home Insurance in East Bethel, Minnesota
Homes in East Bethel carry a median value of $363,900 - 5% higher 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 East Bethel was built around 1983. About 12% of homes were built before 1960, about 2 points below Anoka County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in East Bethel is 89% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 62% of owner-occupied homes in East Bethel have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
East Bethel has an owner-occupancy rate of 92% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in East Bethel - 87% - 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 | $363,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)