Home Insurance in Cuyuna, Minnesota
Homes in Cuyuna carry a median value of $308,300 - close to the Crow Wing County median.
The typical home in Cuyuna was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 12 points below Crow Wing County's 17%.
The housing stock in Cuyuna is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cuyuna, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Cuyuna are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cuyuna, 81% of homes are primarily heated with propane.
What's the biggest home insurance risk near Cuyuna? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Crow Wing County and Crow Wing County had 95 active NFIP flood policies as of September 2026. See the full Crow Wing County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $308,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Crow Wing County | 95 |
| 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)