Home Insurance in Clearwater County, Minnesota
Homes in Clearwater County carry a median value of $192,100 - 42% lower than the Minnesota median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clearwater County was built around 1980. About 25% of homes were built before 1960, about 4 points below Minnesota's 29%.
In Clearwater County, the housing stock is 79% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Clearwater County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clearwater County has an owner-occupancy rate of 80% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Clearwater County, 38% of homes are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Clearwater County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Low) and hail (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Clearwater County has no active NFIP flood policies on file.
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 | $192,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Hail (Very Low) |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
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)