Home Insurance in Cottage Grove, Minnesota
With a median home value of $378,800, Cottage Grove is 10% lower than the Washington County median.
The typical home in Cottage Grove was built around 1990. About 9% of homes were built before 1960, about 3 points below Washington County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Cottage Grove breaks down to 91% single-family homes and 7% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Cottage Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cottage Grove has an owner-occupancy rate of 88% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Cottage Grove, 82% of homes are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Relatively Moderate, led by strong wind (Very High). Washington County had 323 active NFIP flood policies as of September 2026. See the full Washington 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 | $378,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
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)