Home Insurance in Sobieski, Minnesota
Homes in Sobieski carry a median value of $190,600 - 23% lower than the Morrison County median.
The typical home in Sobieski was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, about 16 points above Morrison County's 33%.
In Sobieski, the housing stock is 94% single-family homes 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 65% of owner-occupied homes in Sobieski have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Sobieski 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. Most homes in Sobieski - 51% - are primarily heated with propane.
Morrison County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $190,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)