Home Insurance in Boy River, Minnesota
The typical home in Boy River was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 80% of homes were built before 1960, about 67 points above Cass County's 13%.
Housing in Boy River breaks down to 100% single-family homes.
Almost no owner-occupied homes in Boy River carry a mortgage.
Boy River has an owner-occupancy rate of 50% and a vacancy rate of 60%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Boy River, 100% of homes are primarily heated with propane.
FEMA rates Cass County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Cass County had 8 active NFIP flood policies as of September 2026. See the full Cass 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 year built | 1955 |
|---|---|
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Cass County | 8 |
| 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)