Home Insurance in Warren, Minnesota
The median home value in Warren is $148,400, 10% lower than the Marshall County median.
The typical home in Warren was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, in line with Marshall County (38%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Warren is 71% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 57% of owner-occupied homes in Warren have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Warren has an owner-occupancy rate of 65% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Warren, 61% of homes are primarily heated with natural gas.
Marshall County had 22 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Marshall 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 | $148,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Marshall 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)