Home Insurance in Cass Lake, Minnesota
Homes in Cass Lake carry a median value of $109,900 - 62% lower than the Cass County median.
The typical home in Cass Lake was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 27 points above Cass County's 13%.
The housing stock in Cass Lake is 55% single-family homes, 30% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cass Lake, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cass Lake has an owner-occupancy rate of 38% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Cass Lake - 62% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cass Lake? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Cass County and 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.
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 | $109,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)