Home Insurance in International Falls, Minnesota
Homes in International Falls carry a median value of $120,400 - 23% lower than the Koochiching County median.
The typical home in International Falls was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 10 points above Koochiching County's 32%.
The housing stock in International Falls is 82% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In International Falls, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in International Falls are owner-occupied.
Most homes in International Falls - 86% - are primarily heated with natural gas.
What's the biggest home insurance risk near International Falls? FEMA's National Risk Index points to inland flooding (Relatively Low) in Koochiching County and Koochiching County had 22 active NFIP flood policies as of September 2026. See the full Koochiching County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $120,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Koochiching County | 22 |
| 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)