Home Insurance in Ogema, Minnesota
The median home value in Ogema is $73,000, 75% lower than the Becker County median.
The typical home in Ogema was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 11 points above Becker County's 25%.
In Ogema, the housing stock is 69% single-family homes, 12% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Ogema have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ogema has an owner-occupancy rate of 58% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Ogema - 64% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Becker County's overall risk as Very Low, led by winter weather (Relatively High). Becker County had 8 active NFIP flood policies as of September 2026. See the full Becker County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $73,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Becker County | 8 |
| 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)