Home Insurance in Hilltop, Minnesota
Homes in Hilltop carry a median value of $23,900 - 93% lower than the Anoka County median.
The typical home in Hilltop was built around 1971. About 15% of homes were built before 1960, about 1 point above Anoka County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hilltop is 10% single-family homes, 17% apartments in buildings with 5+ units and 60% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
6% of owner-occupied homes in Hilltop carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hilltop has an owner-occupancy rate of 58% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Hilltop, 66% of homes 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 | $23,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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
- Columbia Heights
- Fridley
- St. Anthony
- New Brighton
- Brooklyn Center
- Mounds View
- Arden Hills
- Spring Lake Park
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)