Home Insurance in Roseville, Minnesota
Homes in Roseville carry a median value of $352,100 - 8% higher than the Ramsey County median.
The typical home in Roseville was built around 1969. 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%.
The housing stock in Roseville is 61% single-family homes, 36% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Roseville, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Roseville are owner-occupied.
Most homes in Roseville - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Roseville? 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 | $352,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Falcon Heights
- Lauderdale
- St. Anthony
- Little Canada
- Arden Hills
- New Brighton
- Shoreview
- Columbia Heights
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)