Home Insurance in Mora, Minnesota
The median home value in Mora is $171,800, 25% lower than the Kanabec County median.
The typical home in Mora was built around 1979. About 38% of homes were built before 1960, about 13 points above Kanabec 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 Mora is 66% single-family homes, 20% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mora, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mora has an owner-occupancy rate of 61% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
82% of homes in Mora are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Kanabec County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Kanabec County had 9 active NFIP flood policies as of September 2026. See the full Kanabec 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 | $171,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Kanabec County | 9 |
| 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)