Home Insurance in Gonvick, Minnesota
Homes in Gonvick carry a median value of $102,100 - 47% lower than the Clearwater County median.
The typical home in Gonvick was built around 1966. About 35% of homes were built before 1960, about 10 points above Clearwater County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gonvick, the housing stock is 56% single-family homes, 20% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Gonvick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Gonvick are owner-occupied.
In Gonvick, 45% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Clearwater County's overall risk as Very Low, led by wildfire (Relatively Low). Clearwater County has no active NFIP flood policies on file. See the full Clearwater County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $102,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)