Home Insurance in Robbinsdale, Minnesota
The median home value in Robbinsdale is $295,600, 25% lower than the Hennepin County median.
The typical home in Robbinsdale was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 61% of homes were built before 1960, about 25 points above Hennepin County's 36%.
The housing stock in Robbinsdale is 74% single-family homes and 20% apartments in buildings with 5+ units.
About 70% of owner-occupied homes in Robbinsdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Robbinsdale has an owner-occupancy rate of 71% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
81% of homes in Robbinsdale are primarily heated with natural gas.
Hennepin County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Hennepin County had 959 active NFIP flood policies as of September 2026. See the full Hennepin 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 | $295,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Hennepin County | 959 |
| 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)