Home Insurance in Garrison, Minnesota
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Garrison was built around 1985. About 6% of homes were built before 1960, about 12 points below Crow Wing County's 17%.
The housing stock in Garrison is 30% single-family homes, 24% apartments in buildings with 5+ units and 46% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Garrison, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Garrison has an owner-occupancy rate of 73% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Garrison - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Garrison? 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.
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 year built | 1985 |
|---|---|
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)