Home Insurance in Bayport, Minnesota
With a median home value of $376,900, Bayport is 11% lower than the Washington County median.
The typical home in Bayport was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 38 points above Washington County's 13%.
The housing stock in Bayport is 91% single-family homes and 5% apartments in buildings with 5+ units.
About 76% of owner-occupied homes in Bayport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Bayport are owner-occupied.
In Bayport, 83% of homes are primarily heated with natural gas.
Washington County had 323 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Washington 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 | $376,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Washington County | 323 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Nearby towns
- Oak Park Heights
- Stillwater
- Lakeland
- Lakeland Shores
- Lake St. Croix Beach
- Lake Elmo
- St. Marys Point
- Grant
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)