Home Insurance in Cyrus, Minnesota
With a median home value of $105,200, Cyrus is 59% lower than the Pope County median.
The typical home in Cyrus was built around 1962. About 48% of homes were built before 1960, about 8 points above Pope County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cyrus, the housing stock is 79% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Cyrus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Cyrus are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Cyrus are primarily heated with natural gas.
Pope County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Pope County had 11 active NFIP flood policies as of September 2026. See the full Pope 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 | $105,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Pope County | 11 |
| 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)