Home Insurance in Remer, Minnesota
With a median home value of $153,000, Remer is 47% 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 Remer was built around 1971. About 36% of homes were built before 1960, about 23 points above Cass County's 13%.
In Remer, the housing stock is 83% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Remer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Remer are owner-occupied.
Most homes in Remer - 60% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cass County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $153,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)