Home Insurance in Pope County, Minnesota
The median home value in Pope County is $255,100, 23% lower than the Minnesota median.
The typical home in Pope County was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 12 points above Minnesota's 29%.
The housing stock in Pope County is 87% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 55% of owner-occupied homes in Pope County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pope County has an owner-occupancy rate of 84% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 37% of homes in Pope County are primarily heated with propane.
The top hazards for Pope County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), hail (Relatively Low) and strong wind (Relatively Low).
Pope County had 11 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 | $255,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
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)