Home Insurance in Willernie, Minnesota
With a median home value of $331,300, Willernie is 21% lower than the Washington County median.
The typical home in Willernie was built around 1952. About 60% of homes were built before 1960, about 47 points above Washington County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Willernie, the housing stock is 81% single-family homes and 17% apartments in buildings with 5+ units.
88% of owner-occupied homes in Willernie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Willernie has an owner-occupancy rate of 70% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Willernie - 75% - 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.
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 | $331,300 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 88% |
| 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)