Home Insurance in Hackensack, Minnesota
Homes in Hackensack carry a median value of $176,800 - 39% lower than the Cass County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hackensack was built around 1984. About 17% of homes were built before 1960, about 4 points above Cass County's 13%.
The housing stock in Hackensack is 70% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
67% of owner-occupied homes in Hackensack carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 52% of occupied homes in Hackensack are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Hackensack - 54% - are primarily heated with propane.
Cass County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 home value | $176,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 52% |
| 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)