Home Insurance in Roscoe, Minnesota
With a median home value of $173,200, Roscoe is 37% lower than the Stearns County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Roscoe was built around 1947. About 59% of homes were built before 1960, about 38 points above Stearns County's 21%.
The housing stock in Roscoe is 100% single-family homes.
In Roscoe, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Roscoe are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Roscoe, 92% of homes are primarily heated with natural gas.
FEMA rates Stearns County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Stearns County had 160 active NFIP flood policies as of September 2026. See the full Stearns County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $173,200 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Stearns County | 160 |
| 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)