Home Insurance in Fifty Lakes, Minnesota
The median home value in Fifty Lakes is $457,300, 49% higher than the Crow Wing County median.
The typical home in Fifty Lakes was built around 1978. About 11% of homes were built before 1960, about 6 points below Crow Wing County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Fifty Lakes, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Fifty Lakes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 59%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Fifty Lakes are owner-occupied.
In Fifty Lakes, 46% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crow Wing County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $457,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)