Home Insurance in Zemple, Minnesota
Homes in Zemple carry a median value of $47,800 - 79% lower than the Itasca County median.
The typical home in Zemple was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 8 points below Itasca County's 25%.
In Zemple, the housing stock is 34% single-family homes and 66% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Zemple carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 97% of occupied homes in Zemple are owner-occupied.
97% of homes in Zemple are primarily heated with natural gas.
What's the biggest home insurance risk near Zemple? 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 | $47,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)