Home Insurance in St. Paul Park, Minnesota
Homes in St. Paul Park carry a median value of $263,500 - 38% lower than the Washington County median.
The typical home in St. Paul Park was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 13 points above Washington County's 13%.
In St. Paul Park, the housing stock is 75% single-family homes, 15% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in St. Paul Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in St. Paul Park are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in St. Paul Park 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.
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 | $263,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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
- Newport
- Inver Grove Heights
- Cottage Grove
- South St. Paul
- Sunfish Lake
- Woodbury
- West St. Paul
- Rosemount
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)