Home Insurance in Crow Wing County, Minnesota
The median home value in Crow Wing County is $306,800, 7% lower than the Minnesota median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Crow Wing County was built around 1988. About 17% of homes were built before 1960, about 12 points below Minnesota's 29%.
The housing stock in Crow Wing County is 83% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Crow Wing County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Crow Wing County are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Crow Wing County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Crow Wing County's top hazards are inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Relatively Low).
Crow Wing County had 95 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 | $306,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 95 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Baxter
- Brainerd
- Breezy Point
- Crosby
- Crosslake
- Cuyuna
- Deerwood
- Emily
- Fifty Lakes
- Fort Ripley
- Garrison
- Ironton
- Jenkins
- Manhattan Beach
- Nisswa
- Pequot Lakes
- Riverton
- Trommald
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)