Home Insurance in Sunfish Lake, Minnesota
With a median home value of $1,115,600, Sunfish Lake is 193% higher than the Dakota County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sunfish Lake was built around 1985. About 24% of homes were built before 1960, about 13 points above Dakota County's 11%.
The housing stock in Sunfish Lake is 100% single-family homes.
About 53% of owner-occupied homes in Sunfish Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Sunfish Lake are owner-occupied.
Most homes in Sunfish Lake - 84% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sunfish Lake? FEMA's National Risk Index points to strong wind (Very High) in Dakota County and 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 | $1,115,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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
- West St. Paul
- Mendota Heights
- South St. Paul
- Lilydale
- Inver Grove Heights
- Mendota
- Newport
- St. Paul Park
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)