Home Insurance in Maplewood, Minnesota
With a median home value of $323,200, Maplewood is close to the Ramsey County median.
The typical home in Maplewood was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 18 points below Ramsey County's 44%.
Housing in Maplewood breaks down to 69% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Maplewood, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Maplewood are owner-occupied.
Most homes in Maplewood - 73% - are primarily heated with natural gas.
FEMA rates Ramsey County's overall risk as Relatively High, led by hail (Relatively High). 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 | $323,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- North St. Paul
- Little Canada
- Gem Lake
- Vadnais Heights
- White Bear Lake
- Birchwood Village
- Pine Springs
- Oakdale
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)