Home Insurance in Lakeland Shores, Minnesota
Homes in Lakeland Shores carry a median value of $455,400 - 8% higher than the Washington County median.
The typical home in Lakeland Shores was built around 1984. About 4% of homes were built before 1960, about 9 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 Lakeland Shores breaks down to 100% single-family homes.
In Lakeland Shores, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lakeland Shores has an owner-occupancy rate of 93% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Lakeland Shores, 90% 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.
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 | $455,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)