Home Insurance in Pine County, Minnesota
The median home value in Pine County is $239,300, 27% lower than the Minnesota median.
The typical home in Pine County was built around 1984. About 23% of homes were built before 1960, about 5 points below Minnesota's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pine County is 78% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Pine County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Pine County are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pine County, 43% of homes are primarily heated with propane.
The top hazards for Pine County, per FEMA's National Risk Index, are hail (Relatively Moderate), inland flooding (Relatively Low) and wildfire (Relatively Low).
Pine County had 120 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 | $239,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 120 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Askov
- Brook Park
- Bruno
- Denham
- Finlayson
- Henriette
- Hinckley
- Kerrick
- Pine City
- Rock Creek
- Rutledge
- Sandstone
- Sturgeon Lake
- Willow River
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)