Home Insurance in Quamba, Minnesota
With a median home value of $207,700, Quamba is 9% lower than the Kanabec County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Quamba was built around 1965. About 40% of homes were built before 1960, about 15 points above Kanabec County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Quamba is 83% single-family homes and 10% mobile or manufactured homes.
In Quamba, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Quamba are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Quamba, 87% of homes are primarily heated with propane.
FEMA rates Kanabec County's overall risk as Very Low, led by wildfire (Very Low). 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 | $207,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)