Home Insurance in Morrison County, Minnesota
With a median home value of $248,500, Morrison County is 25% lower than the Minnesota median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Morrison County was built around 1977. About 33% of homes were built before 1960, about 5 points above Minnesota's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Morrison County is 85% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
56% of owner-occupied homes in Morrison County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Morrison County are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Morrison County, 39% of homes are primarily heated with natural gas.
The top hazards for Morrison County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Moderate).
Morrison County had 57 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $248,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 57 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bowlus
- Buckman
- Elmdale
- Flensburg
- Genola
- Harding
- Hillman
- Lastrup
- Little Falls
- Motley
- Pierz
- Randall
- Royalton
- Sobieski
- Swanville
- Upsala
Sources
- 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)