Home Insurance in Warba, Minnesota
With a median home value of $119,300, Warba is 47% lower than the Itasca County median.
The typical home in Warba was built around 1976. About 34% of homes were built before 1960, about 9 points above Itasca County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Warba is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Warba, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Warba has an owner-occupancy rate of 80% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Warba, 69% of homes are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Warba? 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.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $119,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)