Home Insurance in Fort Ripley, Minnesota
Homes in Fort Ripley carry a median value of $275,000 - 10% lower than the Crow Wing County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fort Ripley was built around 1978. About 21% of homes were built before 1960, about 4 points above Crow Wing County's 17%.
The housing stock in Fort Ripley is 100% single-family homes.
About 33% of owner-occupied homes in Fort Ripley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Fort Ripley are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Fort Ripley are primarily heated with propane.
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.
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 | $275,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)