Home Insurance in Nowthen, Minnesota
The median home value in Nowthen is $460,000, 33% higher than the Anoka County median.
The typical home in Nowthen was built around 1995. About 12% of homes were built before 1960, about 2 points below Anoka County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Nowthen breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Nowthen, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nowthen has an owner-occupancy rate of 97% and a vacancy rate of 2%; 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. In Nowthen, 39% of homes are primarily heated with propane.
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 | $460,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)