Home Insurance in Roseau County, Minnesota
With a median home value of $183,700, Roseau County is 44% lower than the Minnesota median.
The typical home in Roseau County was built around 1982. About 21% of homes were built before 1960, about 8 points below Minnesota's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Roseau County, the housing stock is 71% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Roseau County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Roseau County are owner-occupied.
38% of homes in Roseau County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Roseau County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively Moderate) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Roseau County has 48 active NFIP flood policies on file.
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 | $183,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 48 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)