Home Insurance in Pine Springs, Minnesota
Homes in Pine Springs carry a median value of $626,600 - 48% higher than the Washington County median.
The typical home in Pine Springs was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, in line with Washington County (13%).
The housing stock in Pine Springs is 100% single-family homes.
About 57% of owner-occupied homes in Pine Springs 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. All occupied homes in Pine Springs are owner-occupied.
92% of homes in Pine Springs 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.
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 | $626,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 100% |
| 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)