Home Insurance in Bemidji, Minnesota
The median home value in Bemidji is $198,300, 17% lower than the Beltrami 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 Bemidji was built around 1982. About 28% of homes were built before 1960, about 9 points above Beltrami County's 19%.
The housing stock in Bemidji is 55% single-family homes, 32% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bemidji, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 43% of occupied homes in Bemidji are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bemidji, 58% of homes are primarily heated with natural gas.
Beltrami County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Beltrami County had 3 active NFIP flood policies as of September 2026. See the full Beltrami 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 | $198,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Beltrami County | 3 |
| 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)