Home Insurance in Onamia, Minnesota
With a median home value of $122,900, Onamia is 52% lower than the Mille Lacs County median.
The typical home in Onamia was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 18 points above Mille Lacs County's 25%.
The housing stock in Onamia is 60% single-family homes, 32% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Onamia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Onamia are owner-occupied.
Most homes in Onamia - 66% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Onamia? FEMA's National Risk Index points to wildfire (Relatively Low) in Mille Lacs County and Mille Lacs County had 58 active NFIP flood policies as of September 2026. See the full Mille Lacs 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 | $122,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Mille Lacs County | 58 |
| 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)