Home Insurance in Beltrami County, Minnesota
Homes in Beltrami County carry a median value of $237,500 - 28% lower than the Minnesota median.
The typical home in Beltrami County was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 10 points below Minnesota's 29%.
In Beltrami County, the housing stock is 73% single-family homes, 12% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Beltrami County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Beltrami County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 32% of homes in Beltrami County are primarily heated with propane.
The top hazards for Beltrami County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), wildfire (Relatively Low) and inland flooding (Relatively Low).
As of September 2026, Beltrami County has 3 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $237,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)