Home Insurance in Roseau, Minnesota
The median home value in Roseau is $164,100, 11% lower than the Roseau County median.
The typical home in Roseau was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 4 points above Roseau County's 21%.
The housing stock in Roseau is 62% single-family homes, 21% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Roseau carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Roseau are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Roseau are primarily heated with natural gas.
Roseau County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $164,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)