Home Insurance in Arden Hills, Minnesota
With a median home value of $441,900, Arden Hills is 35% higher than the Ramsey County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Arden Hills was built around 1978. About 23% of homes were built before 1960, about 20 points below Ramsey County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arden Hills is 73% single-family homes, 17% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
61% of owner-occupied homes in Arden Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Arden Hills are owner-occupied.
Most homes in Arden Hills - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Arden Hills? FEMA's National Risk Index points to hail (Relatively High) in Ramsey County and Ramsey County had 447 active NFIP flood policies as of September 2026. See the full Ramsey 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 | $441,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Ramsey County | 447 |
| 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)