Home Insurance in West St. Paul, Minnesota
With a median home value of $301,300, West St. Paul is 21% lower than the Dakota County median.
The typical home in West St. Paul was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 23 points above Dakota County's 11%.
The housing stock in West St. Paul is 55% single-family homes and 41% apartments in buildings with 5+ units.
70% of owner-occupied homes in West St. Paul carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in West St. Paul are owner-occupied.
In West St. Paul, 68% of homes are primarily heated with natural gas.
Dakota County had 189 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Dakota County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $301,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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
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)