Home Insurance in Roosevelt, Minnesota
With a median home value of $75,000, Roosevelt is 59% lower than the Roseau County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Roosevelt was built around 1977. About 31% of homes were built before 1960, about 10 points above Roseau County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Roosevelt is 46% single-family homes and 54% mobile or manufactured homes.
In Roosevelt, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Roosevelt are owner-occupied.
Most homes in Roosevelt - 89% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Roseau County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Roseau County had 48 active NFIP flood policies as of September 2026. See the full Roseau 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 | $75,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Roseau County | 48 |
| 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)