Home Insurance in Ramsey County, Minnesota
The median home value in Ramsey County is $326,600, close to the Minnesota median.
The typical home in Ramsey County was built around 1965. About 44% of homes were built before 1960, about 15 points above Minnesota's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ramsey County, the housing stock is 59% single-family homes, 33% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 65% of owner-occupied homes in Ramsey County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Ramsey County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ramsey County, 70% of homes are primarily heated with natural gas.
The top hazards for Ramsey County, per FEMA's National Risk Index, are hail (Relatively High), tornado (Relatively High) and inland flooding (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Ramsey County has 447 active NFIP flood policies on file.
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 | $326,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 447 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arden Hills
- Falcon Heights
- Gem Lake
- Lauderdale
- Little Canada
- Maplewood
- Mounds View
- New Brighton
- North Oaks
- North St. Paul
- Roseville
- Shoreview
- St. Paul
- Vadnais Heights
- White Bear Lake
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)