Home Insurance in Morris, Minnesota
The median home value in Morris is $209,600, close to the Stevens County median.
The typical home in Morris was built around 1973. About 28% of homes were built before 1960, about 7 points below Stevens County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Morris, the housing stock is 67% single-family homes, 28% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
56% of owner-occupied homes in Morris carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 50% of occupied homes in Morris 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 Morris - 64% - are primarily heated with natural gas.
Stevens County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Stevens 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 | $209,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Stevens County | 6 |
| 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)