Home Insurance in Dellwood, Minnesota
The median home value in Dellwood is $873,600, 107% higher than the Washington County median.
The typical home in Dellwood was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 12 points above Washington County's 13%.
In Dellwood, the housing stock is 100% single-family homes.
In Dellwood, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Dellwood are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dellwood, 90% of homes are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $873,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)