Home Insurance in Pillager, Minnesota
The median home value in Pillager is $180,300, 37% lower than the Cass County median.
The typical home in Pillager was built around 1979. About 27% of homes were built before 1960, about 14 points above Cass County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pillager, the housing stock is 76% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Pillager carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Pillager are owner-occupied.
Most homes in Pillager - 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 Pillager? 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 | $180,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)