Home Insurance in Mizpah, Minnesota
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mizpah was built around 1963. About 43% of homes were built before 1960, about 11 points above Koochiching County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mizpah is 89% single-family homes and 11% mobile or manufactured homes.
In Mizpah, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Mizpah are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mizpah, 50% of homes are primarily heated with wood.
What's the biggest home insurance risk near Mizpah? 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.
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 year built | 1963 |
|---|---|
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)