Home Insurance in Currie, Minnesota
With a median home value of $82,800, Currie is 55% lower than the Murray County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Currie was built around 1951. About 70% of homes were built before 1960, about 23 points above Murray County's 47%.
The housing stock in Currie is 96% single-family homes and 2% apartments in buildings with 5+ units.
About 43% of owner-occupied homes in Currie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Currie has an owner-occupancy rate of 96% and a vacancy rate of 13%; 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. 74% of homes in Currie are primarily heated with natural gas.
FEMA rates Murray County's overall risk as Very Low, led by winter weather (Relatively Moderate). Murray County had 26 active NFIP flood policies as of September 2026. See the full Murray County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $82,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Murray County | 26 |
| 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)