Home Insurance in Sherburne County, Minnesota
Homes in Sherburne County carry a median value of $361,400 - 10% higher than the Minnesota median.
The typical home in Sherburne County was built around 1996. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 20 points below Minnesota's 29%.
Housing in Sherburne County breaks down to 85% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 74% of owner-occupied homes in Sherburne County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sherburne County has an owner-occupancy rate of 83% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 72% of homes in Sherburne County are primarily heated with natural gas.
Per FEMA's National Risk Index, Sherburne County's top hazards are strong wind (Relatively High), hail (Relatively Moderate) and wildfire (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, Sherburne County has 113 active NFIP flood policies on file.
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 | $361,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 113 |
| 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)