Home Insurance in Mahnomen, Minnesota
The median home value in Mahnomen is $83,200, 49% lower than the Mahnomen County median.
The typical home in Mahnomen was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 16 points above Mahnomen County's 32%.
The housing stock in Mahnomen is 69% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
48% of owner-occupied homes in Mahnomen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Mahnomen are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mahnomen, 35% of homes are primarily heated with electricity.
Mahnomen County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Mahnomen County had 3 active NFIP flood policies as of September 2026. See the full Mahnomen 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 | $83,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Mahnomen County | 3 |
| 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)