Home Insurance in Sturgeon Lake, Minnesota
The median home value in Sturgeon Lake is $210,200, 12% lower than the Pine County median.
The typical home in Sturgeon Lake was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 16 points below Pine County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sturgeon Lake is 55% single-family homes and 33% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in Sturgeon Lake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sturgeon Lake has an owner-occupancy rate of 77% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Sturgeon Lake, 74% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Pine County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $210,200 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)