Home Insurance in Ogilvie, Minnesota
With a median home value of $116,700, Ogilvie is 49% lower than the Kanabec County median.
The typical home in Ogilvie was built around 1958. About 52% of homes were built before 1960, about 27 points above Kanabec County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ogilvie is 59% single-family homes, 12% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Ogilvie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ogilvie has an owner-occupancy rate of 65% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Ogilvie - 82% - 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.
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 | $116,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 65% |
| 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)