Home Insurance in Flensburg, Minnesota
Homes in Flensburg carry a median value of $192,400 - 23% lower than the Morrison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Flensburg was built around 1968. About 38% of homes were built before 1960, about 4 points above Morrison County's 33%.
In Flensburg, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
74% of owner-occupied homes in Flensburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Flensburg are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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 Flensburg, 38% of homes are primarily heated with propane.
FEMA rates Morrison County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Morrison County had 57 active NFIP flood policies as of September 2026. See the full Morrison County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $192,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Morrison County | 57 |
| 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)