Home Insurance in Henriette, Minnesota
With a median home value of $92,500, Henriette is 61% lower than the Pine County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Henriette was built around 1978. About 38% of homes were built before 1960, about 14 points above Pine County's 23%.
The housing stock in Henriette is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Henriette have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Henriette has an owner-occupancy rate of 76% and a vacancy rate of 43%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 57% of homes in Henriette are primarily heated with propane.
What's the biggest home insurance risk near Henriette? FEMA's National Risk Index points to hail (Relatively Moderate) in Pine County and Pine County had 120 active NFIP flood policies as of September 2026. See the full Pine County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $92,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pine County | 120 |
| 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)