Home Insurance in St. Cloud, Minnesota
The median home value in St. Cloud is $225,000, 18% lower than the Stearns County median.
The typical home in St. Cloud was built around 1981. About 23% of homes were built before 1960, about 2 points above Stearns County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in St. Cloud is 55% single-family homes, 39% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In St. Cloud, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
St. Cloud has an owner-occupancy rate of 49% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In St. Cloud, 55% of homes are primarily heated with natural gas.
Stearns County had 160 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Stearns County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $225,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)