Home Insurance in La Prairie, Minnesota
With a median home value of $212,800, La Prairie is 6% lower than the Itasca County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in La Prairie was built around 1976. About 17% of homes were built before 1960, about 8 points below Itasca County's 25%.
The housing stock in La Prairie is 97% single-family homes.
In La Prairie, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in La Prairie are owner-occupied.
In La Prairie, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near La Prairie? FEMA's National Risk Index points to strong wind (Relatively High) in Itasca County and Itasca County had 18 active NFIP flood policies as of September 2026. See the full Itasca 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 | $212,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Itasca County | 18 |
| 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)