Home Insurance in Strathcona, Minnesota
Homes in Strathcona carry a median value of $162,500 - 12% 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 Strathcona was built around 2003. About 0% of homes were built before 1960, about 21 points below 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 Strathcona is 70% single-family homes and 30% mobile or manufactured homes.
About 80% of owner-occupied homes in Strathcona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Strathcona are owner-occupied.
70% of homes in Strathcona 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.
Roseau County had 48 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Roseau 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 | $162,500 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)