Home Insurance in Orr, Minnesota
The median home value in Orr is $93,500, 58% lower than the St. Louis County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Orr was built around 1968. About 44% of homes were built before 1960, about 4 points below St. Louis County's 48%.
The housing stock in Orr is 65% single-family homes, 34% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Orr have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Orr are owner-occupied.
In Orr, 45% of homes are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
St. Louis County had 343 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full St. Louis 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 | $93,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in St. Louis County | 343 |
| 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)