Home Insurance in East Grand Forks, Minnesota
The median home value in East Grand Forks is $255,600, 15% higher than the Polk County median.
The typical home in East Grand Forks was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 9 points below Polk County's 37%.
In East Grand Forks, the housing stock is 68% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
69% of owner-occupied homes in East Grand Forks carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
East Grand Forks has an owner-occupancy rate of 68% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in East Grand Forks - 67% - are primarily heated with natural gas.
Polk County had 110 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Polk 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 | $255,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Polk County | 110 |
| 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)