Home Insurance in Grant, Minnesota
The median home value in Grant is $683,400, 62% higher than the Washington County median.
The typical home in Grant was built around 1980. 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.
In Grant, the housing stock is 98% single-family homes.
In Grant, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Grant are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Grant - 77% - 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 | $683,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 95% |
| 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
- Dellwood
- Willernie
- Mahtomedi
- Birchwood Village
- Pine Springs
- Stillwater
- White Bear Lake
- Oak Park Heights
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)