Home Insurance in Cook County, Minnesota
With a median home value of $336,200, Cook County is close to the Minnesota median.
The typical home in Cook County was built around 1988. About 21% of homes were built before 1960, about 8 points below Minnesota's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Cook County breaks down to 91% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 51% of owner-occupied homes in Cook County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 55%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Cook County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cook County, 49% of homes are primarily heated with propane.
Per FEMA's National Risk Index, Cook County's top hazards are wildfire (Relatively Low), winter weather (Relatively Low) and inland flooding (Very Low).
Cook County had 14 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $336,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 14 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)