Home Insurance in Marine on St. Croix, Minnesota
With a median home value of $470,100, Marine on St. Croix is 11% higher than the Washington County median.
The typical home in Marine on St. Croix was built around 1962. About 49% of homes were built before 1960, about 36 points above Washington County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Marine on St. Croix breaks down to 98% single-family homes and 2% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Marine on St. Croix have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Marine on St. Croix are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Marine on St. Croix - 83% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Marine on St. Croix? FEMA's National Risk Index points to strong wind (Very High) in Washington County and 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.
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 | $470,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 94% |
| 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)