Home Insurance in Sartell, Minnesota
Homes in Sartell carry a median value of $297,300 - 9% higher than the Stearns County median.
The typical home in Sartell was built around 2001. About 4% of homes were built before 1960, about 17 points below Stearns County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Sartell, the housing stock is 64% single-family homes, 33% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Sartell, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sartell has an owner-occupancy rate of 62% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Sartell, 65% of homes are primarily heated with natural gas.
Stearns County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $297,300 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)