Home Insurance in St. Joseph, Minnesota
The median home value in St. Joseph is $237,700, 13% lower than the Stearns County median.
The typical home in St. Joseph was built around 1992. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 8 points below Stearns County's 21%.
Housing in St. Joseph breaks down to 76% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 66% of owner-occupied homes in St. Joseph have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in St. Joseph are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Joseph - 69% - 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.
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 | $237,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)