Home Insurance in Harris, Minnesota
Homes in Harris carry a median value of $306,000 - 13% lower than the Chisago County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Harris was built around 1978. About 30% of homes were built before 1960, about 15 points above Chisago County's 15%.
Housing in Harris breaks down to 96% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Harris, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Harris has an owner-occupancy rate of 87% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
46% of homes in Harris are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Chisago County had 37 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Chisago 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 | $306,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)