Home Insurance in Chickamaw Beach, Minnesota
With a median home value of $298,800, Chickamaw Beach is close to the Cass County median.
The typical home in Chickamaw Beach was built around 1982. About 25% of homes were built before 1960, about 13 points above Cass County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Chickamaw Beach, the housing stock is 100% single-family homes.
In Chickamaw Beach, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chickamaw Beach has an owner-occupancy rate of 93% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Chickamaw Beach are primarily heated with natural gas.
What's the biggest home insurance risk near Chickamaw Beach? 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 | $298,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)