Home Insurance in Washington County, Minnesota
The median home value in Washington County is $422,000, 28% higher than the Minnesota median.
The typical home in Washington County was built around 1992. About 13% of homes were built before 1960, about 16 points below Minnesota's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Washington County, the housing stock is 83% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 69% of owner-occupied homes in Washington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Washington County has an owner-occupancy rate of 81% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
80% of homes in Washington County are primarily heated with natural gas.
The top hazards for Washington County, per FEMA's National Risk Index, are strong wind (Very High), hail (Relatively High) and tornado (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Washington County has 323 active NFIP flood policies on file.
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 | $422,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Hail (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 323 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Afton
- Bayport
- Birchwood Village
- Cottage Grove
- Dellwood
- Forest Lake
- Grant
- Hugo
- Lake Elmo
- Lake St. Croix Beach
- Lakeland
- Lakeland Shores
- Landfall
- Mahtomedi
- Marine on St. Croix
- Newport
- Oak Park Heights
- Oakdale
- Pine Springs
- Scandia
- St. Marys Point
- St. Paul Park
- Stillwater
- Willernie
- Woodbury
Sources
- 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)