Home Insurance in Zimmerman, Minnesota
Homes in Zimmerman carry a median value of $323,600 - 10% lower than the Sherburne County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Zimmerman was built around 2003. About 5% of homes were built before 1960, about 4 points below Sherburne County's 9%.
The housing stock in Zimmerman is 88% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
83% of owner-occupied homes in Zimmerman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Zimmerman are owner-occupied.
80% of homes in Zimmerman are primarily heated with natural gas.
What's the biggest home insurance risk near Zimmerman? FEMA's National Risk Index points to strong wind (Relatively High) in Sherburne County and Sherburne County had 113 active NFIP flood policies as of September 2026. See the full Sherburne 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 | $323,600 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Sherburne County | 113 |
| 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)