Home Insurance in Chaska, Minnesota
Homes in Chaska carry a median value of $404,700 - 11% lower than the Carver 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 Chaska was built around 1996. About 4% of homes were built before 1960, about 7 points below Carver County's 11%.
In Chaska, the housing stock is 74% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Chaska carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Chaska are owner-occupied.
76% of homes in Chaska are primarily heated with natural gas.
Carver County had 107 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Carver County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $404,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Carver County | 107 |
| 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)