Home Insurance in Chisago City, Minnesota
With a median home value of $413,000, Chisago City is 17% higher than the Chisago County median.
The typical home in Chisago City was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 2 points below Chisago County's 15%.
Housing in Chisago City breaks down to 80% single-family homes and 18% apartments in buildings with 5+ units.
About 67% of owner-occupied homes in Chisago City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chisago City has an owner-occupancy rate of 73% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
73% of homes in Chisago City are primarily heated with natural gas.
What's the biggest home insurance risk near Chisago City? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Chisago County and Chisago County had 37 active NFIP flood policies as of September 2026. See the full Chisago 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 | $413,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Chisago County | 37 |
| 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)