Home Insurance in St. Paul, Minnesota
Homes in St. Paul carry a median value of $294,500 - 10% lower than the Ramsey County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Paul was built around 1952. About 59% of homes were built before 1960, about 15 points above Ramsey County's 44%.
The housing stock in St. Paul is 53% single-family homes and 37% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in St. Paul carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in St. Paul are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Paul - 67% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $294,500 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
- Lilydale
- West St. Paul
- Falcon Heights
- Mendota Heights
- Mendota
- Roseville
- South St. Paul
- Little Canada
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)