Home Insurance in Cedar Mills, Minnesota
The median home value in Cedar Mills is $108,300, 57% lower than the Meeker County median.
The typical home in Cedar Mills was built around 1951. About 79% of homes were built before 1960, about 47 points above Meeker County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Cedar Mills breaks down to 100% single-family homes.
55% of owner-occupied homes in Cedar Mills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cedar Mills has an owner-occupancy rate of 100% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
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 Cedar Mills, 85% of homes are primarily heated with propane.
Meeker County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Meeker County had 28 active NFIP flood policies as of September 2026. See the full Meeker 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 | $108,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Meeker County | 28 |
| 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)