Home Insurance in South St. Paul, Minnesota
With a median home value of $281,600, South St. Paul is 26% lower than the Dakota County median.
The typical home in South St. Paul was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 44 points above Dakota County's 11%.
In South St. Paul, the housing stock is 72% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In South St. Paul, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
South St. Paul has an owner-occupancy rate of 70% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in South St. Paul - 78% - are primarily heated with natural gas.
FEMA rates Dakota County's overall risk as Relatively Moderate, led by strong wind (Very High). Dakota County had 189 active NFIP flood policies as of September 2026. See the full Dakota County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $281,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Dakota County | 189 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Nearby towns
- Newport
- West St. Paul
- Sunfish Lake
- Inver Grove Heights
- St. Paul Park
- Mendota Heights
- Lilydale
- St. Paul
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)