Home Insurance in Cass County, Minnesota
With a median home value of $288,300, Cass County is 12% lower than the Minnesota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cass County was built around 1990. About 13% of homes were built before 1960, about 16 points below Minnesota's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cass County is 88% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Cass County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Cass County are owner-occupied. The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
44% of homes in Cass County 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.
The top hazards for Cass County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), wildfire (Very Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cass County has 8 active NFIP flood policies on file.
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 | $288,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Very Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 8 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Backus
- Bena
- Boy River
- Cass Lake
- Chickamaw Beach
- East Gull Lake
- Federal Dam
- Hackensack
- Lake Shore
- Longville
- Pillager
- Pine River
- Remer
- Walker
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)