Home Insurance in Shevlin, Minnesota
With a median home value of $87,000, Shevlin is 55% lower than the Clearwater County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Shevlin was built around 1966. About 43% of homes were built before 1960, about 18 points above Clearwater County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shevlin is 72% single-family homes, 7% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
62% of owner-occupied homes in Shevlin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shevlin has an owner-occupancy rate of 87% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Shevlin - 56% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Clearwater County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Clearwater 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 | $87,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)