Home Insurance in Sauk Rapids, Minnesota
Homes in Sauk Rapids carry a median value of $256,100 - 5% lower than the Benton County median.
The typical home in Sauk Rapids was built around 1988. About 14% of homes were built before 1960, about 4 points below Benton County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Sauk Rapids is 64% single-family homes, 31% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 72% of owner-occupied homes in Sauk Rapids have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Sauk Rapids are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sauk Rapids, 66% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sauk Rapids? FEMA's National Risk Index points to hail (Relatively Moderate) in Benton County and Benton County had 80 active NFIP flood policies as of September 2026. See the full Benton 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 | $256,100 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Benton County | 80 |
| 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)