Home Insurance in Tenstrike, Minnesota
The median home value in Tenstrike is $281,800, 19% higher than the Beltrami County median.
The typical home in Tenstrike was built around 1974. About 22% of homes were built before 1960, about 2 points above Beltrami County's 19%. 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 Tenstrike is 91% single-family homes and 9% mobile or manufactured homes.
About 64% of owner-occupied homes in Tenstrike have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tenstrike has an owner-occupancy rate of 76% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
64% of homes in Tenstrike 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.
Beltrami County had 3 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Beltrami County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $281,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)