Home Insurance in Plummer, Minnesota
Homes in Plummer carry a median value of $125,000 - 23% lower than the Red Lake County median.
The typical home in Plummer was built around 1975. About 35% of homes were built before 1960, about 5 points below Red Lake County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Plummer is 78% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Plummer 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 80% of occupied homes in Plummer are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Plummer, 47% of homes are primarily heated with propane.
What's the biggest home insurance risk near Plummer? FEMA's National Risk Index points to wildfire (Very Low) in Red Lake County and Red Lake County has no active NFIP flood policies on file. See the full Red Lake 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 | $125,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Very Low) |
| 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)