Home Insurance in Lake St. Croix Beach, Minnesota
With a median home value of $363,800, Lake St. Croix Beach is 14% lower than the Washington County median.
The typical home in Lake St. Croix Beach was built around 1964. About 45% of homes were built before 1960, about 33 points above Washington County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lake St. Croix Beach, the housing stock is 99% single-family homes.
About 58% of owner-occupied homes in Lake St. Croix Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Lake St. Croix Beach are owner-occupied.
In Lake St. Croix Beach, 90% 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.
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 | $363,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)