Home Insurance in Maple Lake, Minnesota
With a median home value of $246,800, Maple Lake is 31% lower than the Wright County median.
The typical home in Maple Lake was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 11 points above Wright County's 13%.
Housing in Maple Lake breaks down to 92% single-family homes and 8% apartments in buildings with 5+ units.
About 83% of owner-occupied homes in Maple Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Maple Lake are owner-occupied.
82% of homes in Maple Lake are primarily heated with natural gas.
Wright County had 135 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Wright 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 | $246,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Wright County | 135 |
| 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)