Home Insurance in Rush City, Minnesota
With a median home value of $233,100, Rush City is 34% lower than the Chisago County median.
The typical home in Rush City was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 8 points above Chisago County's 15%.
The housing stock in Rush City is 70% single-family homes, 17% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
82% of owner-occupied homes in Rush City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Rush City are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rush City, 82% of homes are primarily heated with natural gas.
FEMA rates Chisago County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). 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.
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 | $233,100 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)