Home Insurance in Nisswa, Minnesota
Homes in Nisswa carry a median value of $481,200 - 57% higher than the Crow Wing County median.
The typical home in Nisswa was built around 1990. About 16% of homes were built before 1960, about 2 points below Crow Wing County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Nisswa is 95% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Nisswa, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Nisswa are owner-occupied.
In Nisswa, 75% of homes are primarily heated with natural gas.
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 | $481,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)