Home Insurance in Lauderdale, Minnesota
With a median home value of $283,300, Lauderdale is 13% lower than the Ramsey County median.
The typical home in Lauderdale was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 11 points below Ramsey County's 44%.
Housing in Lauderdale breaks down to 51% single-family homes and 43% apartments in buildings with 5+ units.
About 51% of owner-occupied homes in Lauderdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Lauderdale are owner-occupied.
Most homes in Lauderdale - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lauderdale? 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.
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 | $283,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)