Minnesota
Home insurance overview — 688 ZIP codes, 569 cities
Avg Premium (2025 Est.)
$2,242
+16.3% from 2022
Nonrenewal Rate
0.65%
5yr Storm Damage
$176.6M
Minnesota Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Spring Park | 1 | $3,204 | 78 | High |
| Deer Creek | 1 | $2,216 | 77 | High |
| Willernie | 1 | $2,348 | 76 | High |
| Bricelyn | 1 | $2,532 | 76 | High |
| Mountain Lake | 1 | $2,116 | 75 | High |
| Vermillion | 1 | $2,820 | 73 | High |
| Danube | 1 | $2,474 | 72 | High |
| Garden City | 1 | $2,284 | 72 | High |
| Beaver Creek | 1 | $2,205 | 72 | High |
| Hollandale | 1 | $2,524 | 71 | High |
| Kerkhoven | 1 | $2,408 | 70 | High |
| Lyle | 1 | $2,516 | 70 | High |
| Sacred Heart | 1 | $2,676 | 70 | High |
| Clitherall | 1 | $2,065 | 70 | High |
| Heron Lake | 1 | $2,138 | 70 | High |
| Truman | 1 | $2,201 | 70 | High |
| Sanborn | 1 | $2,227 | 70 | High |
| Canby | 1 | $2,229 | 70 | High |
| Hoffman | 1 | $2,151 | 69 | High |
| Fulda | 1 | $2,154 | 69 | High |
| Brookston | 2 | $1,808 | 69 | High |
| New Germany | 1 | $2,758 | 69 | High |
| Buffalo Lake | 1 | $2,390 | 68 | High |
| Le Roy | 1 | $2,078 | 68 | High |
| Westbrook | 1 | $2,004 | 68 | High |
| Lynd | 1 | $2,903 | 68 | High |
| Clarkfield | 1 | $2,239 | 67 | High |
| Wood Lake | 1 | $2,432 | 67 | High |
| Dexter | 1 | $2,612 | 67 | High |
| Morristown | 1 | $2,464 | 67 | High |
| Eagle Bend | 1 | $2,022 | 66 | High |
| Nerstrand | 1 | $2,932 | 66 | High |
| Lamberton | 1 | $2,216 | 66 | High |
| Emmons | 1 | $2,313 | 66 | High |
| Hamburg | 1 | $2,608 | 66 | High |
| Wykoff | 1 | $2,104 | 66 | High |
| Minneota | 1 | $2,312 | 66 | High |
| Alden | 1 | $2,550 | 66 | High |
| Greenfield | 2 | $3,101 | 66 | High |
| Randolph | 1 | $2,753 | 66 | High |
| Dennison | 1 | $2,787 | 66 | High |
| Bird Island | 1 | $2,153 | 66 | High |
| Balaton | 1 | $2,298 | 65 | High |
| Alvarado | 1 | $2,189 | 65 | High |
| Amboy | 1 | $2,228 | 65 | High |
| Elmore | 1 | $2,088 | 65 | High |
| Frontenac | 1 | $2,661 | 65 | High |
| Pemberton | 1 | $2,101 | 65 | High |
| Sunburg | 1 | $2,454 | 65 | High |
| Minnetrista | 2 | $3,315 | 65 | High |
| Cottonwood | 1 | $2,377 | 65 | High |
| Ceylon | 1 | $1,954 | 64 | High |
| Stewart | 1 | $2,570 | 64 | High |
| Utica | 1 | $2,129 | 64 | High |
| McIntosh | 1 | $1,751 | 64 | High |
| Hewitt | 1 | $1,821 | 64 | High |
| Comfrey | 1 | $2,326 | 64 | High |
| Fifty Lakes | 1 | $2,051 | 64 | High |
| Freeport | 1 | $2,478 | 64 | High |
| Dawson | 1 | $2,380 | 64 | High |
| Vining | 1 | $2,066 | 64 | High |
| Corcoran | 1 | $3,711 | 64 | High |
| Adrian | 1 | $2,251 | 64 | High |
| Kiester | 1 | $2,138 | 64 | High |
| Hanska | 1 | $2,371 | 63 | High |
| Milan | 1 | $2,412 | 63 | High |
| Elmdale | 1 | $2,169 | 63 | High |
| Independence | 1 | $3,916 | 63 | High |
| Wells | 1 | $2,256 | 63 | High |
| Winnebago | 1 | $2,219 | 63 | High |
| St. Stephen | 1 | $2,178 | 63 | High |
| Clarks Grove | 1 | $2,147 | 63 | High |
| Tenstrike | 3 | $1,887 | 63 | High |
| Goodhue | 1 | $2,380 | 62 | High |
| Hendricks | 1 | $1,964 | 62 | High |
| Kellogg | 1 | $2,183 | 62 | High |
| Farwell | 1 | $2,284 | 62 | High |
| Hancock | 1 | $2,203 | 62 | High |
| Richville | 1 | $2,092 | 62 | High |
| Dundas | 1 | $2,481 | 62 | High |
| Belgrade | 1 | $2,181 | 62 | High |
| Rushford Village | 2 | $2,291 | 61 | High |
| Hartland | 1 | $2,369 | 61 | High |
| Afton | 1 | $3,847 | 61 | High |
| De Graff | 1 | $2,200 | 61 | High |
| Flensburg | 1 | $2,164 | 61 | High |
| Mendota Heights | 1 | $3,210 | 61 | High |
| Harmony | 1 | $1,913 | 61 | High |
| Appleton | 1 | $2,025 | 61 | High |
| Fairfax | 1 | $2,080 | 61 | High |
| Hatfield | 1 | $2,046 | 61 | High |
| Cosmos | 1 | $2,058 | 61 | High |
| Graceville | 1 | $2,081 | 61 | High |
| Brooten | 1 | $2,031 | 61 | High |
| Kilkenny | 1 | $2,547 | 60 | Elevated |
| Grygla | 1 | $1,421 | 60 | Elevated |
| Racine | 1 | $2,484 | 60 | Elevated |
| Foreston | 2 | $2,508 | 60 | Elevated |
| Grove City | 1 | $2,209 | 60 | Elevated |
| Parkers Prairie | 1 | $1,966 | 60 | Elevated |
| The Lakes | 3 | $2,199 | 60 | Elevated |
| Goodland | 1 | $1,810 | 60 | Elevated |
| Herman | 1 | $2,094 | 60 | Elevated |
| Rose Creek | 1 | $2,303 | 60 | Elevated |
| Dalton | 1 | $1,974 | 60 | Elevated |
| Sherburn | 1 | $2,263 | 60 | Elevated |
| Lake Benton | 1 | $2,122 | 60 | Elevated |
| Dakota | 1 | $1,966 | 60 | Elevated |
| Spring Grove | 1 | $1,998 | 60 | Elevated |
| Plymouth | 4 | $3,278 | 60 | Elevated |
| New Auburn | 1 | $1,974 | 60 | Elevated |
| Darwin | 1 | $2,381 | 60 | Elevated |
| Karlstad | 1 | $1,968 | 60 | Elevated |
| Barrett | 1 | $1,934 | 60 | Elevated |
| Brooklyn Park | 4 | $2,566 | 60 | Elevated |
| Fisher | 1 | $2,223 | 59 | Elevated |
| Morgan | 1 | $2,028 | 59 | Elevated |
| Windom | 1 | $2,222 | 59 | Elevated |
| Brooklyn Center | 2 | $2,207 | 59 | Elevated |
| Warsaw | 1 | $2,317 | 59 | Elevated |
| Hayward | 1 | $2,029 | 59 | Elevated |
| Rothsay | 1 | $1,963 | 59 | Elevated |
| Welcome | 1 | $1,977 | 59 | Elevated |
| Bena | 1 | $1,421 | 59 | Elevated |
| Glenville | 1 | $2,372 | 59 | Elevated |
| Winsted | 1 | $2,292 | 59 | Elevated |
| Elko New Market | 3 | $3,137 | 59 | Elevated |
| Brownsville | 1 | $2,160 | 59 | Elevated |
| Minneapolis | 15 | $3,011 | 59 | Elevated |
| Courtland | 1 | $2,365 | 59 | Elevated |
| Orono | 2 | $5,528 | 59 | Elevated |
| Madison Lake | 1 | $2,543 | 59 | Elevated |
| West Concord | 1 | $2,478 | 58 | Elevated |
| Edina | 4 | $4,160 | 58 | Elevated |
| Golden Valley | 2 | $2,542 | 58 | Elevated |
| Morton | 1 | $2,068 | 58 | Elevated |
| Maynard | 1 | $2,090 | 58 | Elevated |
| Waverly | 1 | $2,452 | 58 | Elevated |
| Trimont | 1 | $2,155 | 58 | Elevated |
| Lonsdale | 1 | $2,486 | 58 | Elevated |
| Eden Prairie | 3 | $3,519 | 58 | Elevated |
| Minnetonka | 3 | $3,184 | 58 | Elevated |
| Hector | 1 | $2,212 | 58 | Elevated |
| Clara City | 1 | $2,188 | 58 | Elevated |
| Plato | 1 | $2,625 | 58 | Elevated |
| Wanamingo | 1 | $2,149 | 58 | Elevated |
| Wolverton | 1 | $2,315 | 58 | Elevated |
| Rogers | 1 | $2,865 | 58 | Elevated |
| Newport | 1 | $2,269 | 58 | Elevated |
| Bloomington | 5 | $2,533 | 58 | Elevated |
| Dayton | 1 | $2,406 | 58 | Elevated |
| Kandiyohi | 1 | $2,190 | 58 | Elevated |
| Chokio | 1 | $1,936 | 58 | Elevated |
| Fairhaven | 1 | $2,554 | 58 | Elevated |
| Gaylord | 1 | $2,126 | 57 | Elevated |
| Red Wing | 2 | $2,710 | 57 | Elevated |
| Clinton | 1 | $2,111 | 57 | Elevated |
| Scandia | 2 | $3,071 | 57 | Elevated |
| Lewiston | 1 | $2,043 | 57 | Elevated |
| Geneva | 1 | $2,119 | 57 | Elevated |
| Canton | 1 | $1,980 | 57 | Elevated |
| Lester Prairie | 1 | $2,419 | 57 | Elevated |
| Tyler | 1 | $2,281 | 57 | Elevated |
| Vergas | 1 | $1,870 | 57 | Elevated |
| Upsala | 1 | $2,276 | 57 | Elevated |
| Madelia | 1 | $2,230 | 57 | Elevated |
| Ivanhoe | 1 | $1,879 | 57 | Elevated |
| Pine Point | 1 | $2,077 | 56 | Elevated |
| Eagle Lake | 1 | $2,149 | 56 | Elevated |
| Hillman | 1 | $1,941 | 56 | Elevated |
| Lakefield | 1 | $2,000 | 56 | Elevated |
| Zumbrota | 1 | $2,202 | 56 | Elevated |
| Lanesboro | 1 | $2,056 | 56 | Elevated |
| Gibbon | 1 | $2,014 | 56 | Elevated |
| Elgin | 1 | $2,284 | 56 | Elevated |
| Kasota | 1 | $2,444 | 56 | Elevated |
| Vineland | 1 | $2,004 | 56 | Elevated |
| Dover | 1 | $2,173 | 56 | Elevated |
| Pipestone | 1 | $2,030 | 56 | Elevated |
| Bruno | 1 | $1,556 | 56 | Elevated |
| Erhard | 1 | $2,290 | 56 | Elevated |
| Brownton | 1 | $2,328 | 55 | Elevated |
| Sebeka | 1 | $1,974 | 55 | Elevated |
| Olivia | 1 | $2,327 | 55 | Elevated |
| Shorewood | 1 | $4,241 | 55 | Elevated |
| Fertile | 1 | $1,961 | 55 | Elevated |
| Maple Grove | 2 | $2,984 | 55 | Elevated |
| Ulen | 1 | $1,950 | 55 | Elevated |
| Plainview | 1 | $2,085 | 55 | Elevated |
| Worthington | 1 | $2,183 | 55 | Elevated |
| Solway | 1 | $1,745 | 55 | Elevated |
| Rockville | 2 | $2,181 | 55 | Elevated |
| St. Louis Park | 2 | $2,804 | 55 | Elevated |
| St. Paul | 12 | $2,489 | 54 | Elevated |
| Cannon Falls | 1 | $2,619 | 54 | Elevated |
| Hampton | 1 | $2,963 | 54 | Elevated |
| Harris | 1 | $2,659 | 54 | Elevated |
| Hill City | 2 | $1,771 | 54 | Elevated |
| Cromwell | 1 | $1,684 | 54 | Elevated |
| Hayfield | 1 | $2,252 | 54 | Elevated |
| Goodview | 1 | $1,798 | 54 | Elevated |
| Lake Lillian | 1 | $2,038 | 54 | Elevated |
| Millville | 1 | $2,116 | 54 | Elevated |
| Madison | 1 | $2,223 | 54 | Elevated |
| Pennock | 1 | $2,326 | 54 | Elevated |
| Eagan | 3 | $2,826 | 54 | Elevated |
| Fountain | 1 | $2,041 | 54 | Elevated |
| Ogilvie | 2 | $2,184 | 54 | Elevated |
| Mabel | 1 | $1,822 | 54 | Elevated |
| Prior Lake | 1 | $3,422 | 54 | Elevated |
| Burnsville | 2 | $2,718 | 54 | Elevated |
| Avon | 1 | $2,284 | 54 | Elevated |
| Center City | 1 | $2,410 | 54 | Elevated |
| Fort Ripley | 1 | $2,074 | 54 | Elevated |
| Richfield | 1 | $2,254 | 54 | Elevated |
| Lake George | 1 | $1,656 | 54 | Elevated |
| Renville | 1 | $2,179 | 54 | Elevated |
| Cologne | 1 | $2,833 | 54 | Elevated |
| Northfield | 1 | $2,647 | 53 | Elevated |
| Shakopee | 1 | $2,880 | 53 | Elevated |
| Ada | 1 | $1,829 | 53 | Elevated |
| Luverne | 1 | $1,968 | 53 | Elevated |
| Mizpah | 2 | $1,812 | 53 | Elevated |
| Maplewood | 2 | $2,290 | 53 | Elevated |
| Lowry | 1 | $2,068 | 53 | Elevated |
| Beaver Bay | 1 | $1,775 | 53 | Elevated |
| Crosslake | 1 | $2,427 | 53 | Elevated |
| Brownsdale | 1 | $2,109 | 53 | Elevated |
| Zumbro Falls | 1 | $2,508 | 53 | Elevated |
| New Richland | 1 | $2,167 | 53 | Elevated |
| Marble | 1 | $1,699 | 53 | Elevated |
| Hitterdal | 1 | $1,808 | 53 | Elevated |
| Felton | 1 | $1,728 | 53 | Elevated |
| Albertville | 1 | $2,506 | 53 | Elevated |
| Redwood Falls | 1 | $2,209 | 53 | Elevated |
| Wheaton | 1 | $2,296 | 53 | Elevated |
| Champlin | 1 | $2,632 | 53 | Elevated |
| Montrose | 1 | $2,439 | 53 | Elevated |
| Preston | 1 | $2,067 | 53 | Elevated |
| Faribault | 1 | $2,341 | 53 | Elevated |
| Bayport | 1 | $2,507 | 52 | Elevated |
| Kettle River | 1 | $1,744 | 52 | Elevated |
| Lakeland | 1 | $2,744 | 52 | Elevated |
| Halstad | 1 | $2,002 | 52 | Elevated |
| Mahtomedi | 1 | $3,034 | 52 | Elevated |
| Watertown | 1 | $2,694 | 52 | Elevated |
| Apple Valley | 1 | $2,794 | 52 | Elevated |
| St. Augusta | 2 | $2,490 | 52 | Elevated |
| Ham Lake | 1 | $2,837 | 52 | Elevated |
| Whipholt | 1 | $2,165 | 52 | Elevated |
| North Oaks | 1 | $3,570 | 52 | Elevated |
| Fridley | 1 | $2,180 | 52 | Elevated |
| Taylors Falls | 1 | $2,306 | 52 | Elevated |
| Mountain Iron | 5 | $1,751 | 52 | Elevated |
| Inver Grove Heights | 2 | $2,783 | 52 | Elevated |
| Woodbury | 2 | $3,064 | 52 | Elevated |
| Houston | 1 | $2,234 | 52 | Elevated |
| St. Paul Park | 1 | $2,316 | 52 | Elevated |
| Grant | 1 | $3,185 | 52 | Elevated |
| Wadena | 1 | $1,966 | 52 | Elevated |
| Royalton | 1 | $2,291 | 52 | Elevated |
| Newfolden | 1 | $1,854 | 52 | Elevated |
| McGrath | 1 | $1,669 | 52 | Elevated |
| Raymond | 1 | $2,010 | 52 | Elevated |
| Chisago City | 1 | $2,523 | 52 | Elevated |
| Riverton | 1 | $1,871 | 52 | Elevated |
| Underwood | 1 | $2,000 | 52 | Elevated |
| Mazeppa | 1 | $2,335 | 52 | Elevated |
| Good Thunder | 1 | $2,384 | 52 | Elevated |
| Farmington | 1 | $2,720 | 52 | Elevated |
| Jordan | 1 | $2,861 | 52 | Elevated |
| Erskine | 1 | $1,903 | 52 | Elevated |
| Claremont | 1 | $2,180 | 52 | Elevated |
| Hastings | 1 | $2,761 | 52 | Elevated |
| Hokah | 1 | $2,052 | 52 | Elevated |
| Shafer | 1 | $2,444 | 51 | Elevated |
| Randall | 2 | $1,889 | 51 | Elevated |
| Paynesville | 1 | $2,183 | 51 | Elevated |
| North Branch | 1 | $2,393 | 51 | Elevated |
| Jackson | 1 | $2,002 | 51 | Elevated |
| Browerville | 1 | $2,070 | 51 | Elevated |
| Granite Falls | 1 | $2,284 | 51 | Elevated |
| Merrifield | 1 | $1,994 | 51 | Elevated |
| Millerville | 1 | $2,073 | 51 | Elevated |
| Battle Lake | 1 | $2,033 | 51 | Elevated |
| Lutsen | 2 | $2,054 | 51 | Elevated |
| Columbus | 1 | $2,655 | 51 | Elevated |
| New London | 1 | $2,326 | 51 | Elevated |
| Glencoe | 1 | $2,270 | 51 | Elevated |
| East Bethel | 2 | $2,560 | 51 | Elevated |
| Carver | 1 | $2,665 | 51 | Elevated |
| Waconia | 1 | $3,101 | 51 | Elevated |
| Nett Lake | 2 | $1,641 | 51 | Elevated |
| Grand Meadow | 1 | $2,272 | 51 | Elevated |
| Chaska | 1 | $2,981 | 51 | Elevated |
| Bertha | 1 | $1,884 | 51 | Elevated |
| Baker | 1 | $2,228 | 51 | Elevated |
| West St. Paul | 1 | $2,769 | 51 | Elevated |
| Ramsey | 1 | $2,581 | 51 | Elevated |
| Grey Eagle | 1 | $2,328 | 51 | Elevated |
| Altura | 2 | $2,000 | 51 | Elevated |
| Hills | 1 | $1,798 | 51 | Elevated |
| Wright | 1 | $1,674 | 51 | Elevated |
| Red Lake Falls | 1 | $1,706 | 51 | Elevated |
| Chanhassen | 1 | $3,496 | 51 | Elevated |
| Blaine | 2 | $2,450 | 51 | Elevated |
| Audubon | 1 | $2,397 | 50 | Elevated |
| Pelican Rapids | 1 | $2,283 | 50 | Elevated |
| Henderson | 1 | $2,436 | 50 | Elevated |
| Arden Hills | 1 | $2,502 | 50 | Elevated |
| Henning | 1 | $1,846 | 50 | Elevated |
| Ghent | 1 | $2,044 | 50 | Elevated |
| Mayer | 1 | $2,612 | 50 | Elevated |
| Buffalo | 1 | $2,622 | 50 | Elevated |
| Stacy | 1 | $2,504 | 50 | Elevated |
| South St. Paul | 1 | $2,209 | 50 | Elevated |
| Minnesota Lake | 1 | $1,980 | 50 | Elevated |
| Buhl | 1 | $1,607 | 50 | Elevated |
| Dent | 1 | $1,995 | 50 | Elevated |
| Glenwood | 1 | $2,193 | 50 | Elevated |
| Albert Lea | 1 | $2,201 | 50 | Elevated |
| Hallock | 1 | $1,572 | 50 | Elevated |
| Perham | 1 | $2,091 | 50 | Elevated |
| Mentor | 1 | $1,934 | 50 | Elevated |
| Clearbrook | 1 | $1,829 | 50 | Elevated |
| New York Mills | 1 | $1,984 | 50 | Elevated |
| Caledonia | 1 | $2,017 | 50 | Elevated |
| Cuyuna | 1 | $2,257 | 50 | Elevated |
| Federal Dam | 1 | $1,647 | 50 | Elevated |
| Columbia Heights | 1 | $2,212 | 50 | Elevated |
| Savage | 1 | $2,881 | 50 | Elevated |
| Gonvick | 1 | $1,651 | 50 | Elevated |
| Chatfield | 1 | $2,214 | 50 | Elevated |
| Milaca | 1 | $2,362 | 50 | Elevated |
| Morris | 1 | $2,177 | 50 | Elevated |
| Lakeville | 1 | $2,890 | 50 | Elevated |
| Braham | 1 | $2,262 | 49 | Elevated |
| Kelliher | 2 | $1,451 | 49 | Elevated |
| Rosemount | 1 | $2,698 | 49 | Elevated |
| Adams | 1 | $2,071 | 49 | Elevated |
| Atwater | 1 | $2,122 | 49 | Elevated |
| Garfield | 1 | $2,280 | 49 | Elevated |
| Miltona | 1 | $1,976 | 49 | Elevated |
| St. Clair | 1 | $2,085 | 49 | Elevated |
| Melrose | 1 | $2,120 | 49 | Elevated |
| Ottertail | 1 | $2,078 | 49 | Elevated |
| Kenyon | 1 | $2,208 | 49 | Elevated |
| White Bear Lake | 1 | $2,789 | 49 | Elevated |
| Meadowlands | 1 | $1,584 | 49 | Elevated |
| Cook | 1 | $1,892 | 49 | Elevated |
| Delano | 1 | $2,895 | 49 | Elevated |
| Coon Rapids | 2 | $2,281 | 49 | Elevated |
| Shoreview | 1 | $2,777 | 49 | Elevated |
| Montevideo | 1 | $2,193 | 49 | Elevated |
| Monticello | 1 | $2,571 | 49 | Elevated |
| Oronoco | 1 | $2,614 | 49 | Elevated |
| Springfield | 1 | $2,209 | 49 | Elevated |
| Coleraine | 1 | $1,757 | 49 | Elevated |
| Green Isle | 1 | $2,303 | 49 | Elevated |
| Lindstrom | 1 | $2,395 | 49 | Elevated |
| Askov | 1 | $1,829 | 49 | Elevated |
| Richmond | 1 | $2,124 | 49 | Elevated |
| Eyota | 1 | $2,369 | 49 | Elevated |
| Roseville | 1 | $2,427 | 49 | Elevated |
| Cottage Grove | 1 | $2,493 | 49 | Elevated |
| Warba | 2 | $1,710 | 49 | Elevated |
| Norwood Young America | 2 | $2,485 | 49 | Elevated |
| St. Francis | 1 | $2,409 | 49 | Elevated |
| Maple Lake | 1 | $2,506 | 49 | Elevated |
| Oakdale | 1 | $2,422 | 49 | Elevated |
| Villard | 1 | $1,806 | 49 | Elevated |
| Verndale | 1 | $1,973 | 49 | Elevated |
| Stanchfield | 1 | $2,537 | 48 | Elevated |
| Hugo | 1 | $2,765 | 48 | Elevated |
| Wahkon | 1 | $1,644 | 48 | Elevated |
| St. Michael | 1 | $2,716 | 48 | Elevated |
| Albany | 1 | $2,357 | 48 | Elevated |
| Howard Lake | 1 | $2,412 | 48 | Elevated |
| Annandale | 1 | $2,526 | 48 | Elevated |
| Waite Park | 1 | $1,892 | 48 | Elevated |
| Garrison | 1 | $1,811 | 48 | Elevated |
| Harding | 1 | $2,166 | 48 | Elevated |
| St. Joseph | 1 | $2,215 | 48 | Elevated |
| Isanti | 1 | $2,383 | 48 | Elevated |
| Sauk Centre | 1 | $2,181 | 48 | Elevated |
| Callaway | 1 | $1,914 | 48 | Elevated |
| Victoria | 1 | $3,320 | 48 | Elevated |
| Floodwood | 1 | $1,683 | 48 | Elevated |
| Lake Shore | 1 | $2,538 | 48 | Elevated |
| Kensington | 1 | $1,851 | 48 | Elevated |
| Tamarack | 1 | $1,611 | 48 | Elevated |
| Dodge Center | 1 | $2,257 | 48 | Elevated |
| Dassel | 1 | $2,459 | 48 | Elevated |
| Glyndon | 1 | $2,333 | 48 | Elevated |
| Elysian | 1 | $2,309 | 48 | Elevated |
| Lake Crystal | 1 | $2,253 | 48 | Elevated |
| International Falls | 2 | $1,613 | 48 | Elevated |
| Spicer | 1 | $2,634 | 48 | Elevated |
| Lake Elmo | 1 | $3,027 | 48 | Elevated |
| Marshall | 1 | $2,290 | 48 | Elevated |
| Big Lake | 1 | $2,621 | 48 | Elevated |
| Staples | 1 | $2,004 | 48 | Elevated |
| Spring Valley | 1 | $2,179 | 47 | Elevated |
| Shevlin | 1 | $1,752 | 47 | Elevated |
| Sleepy Eye | 1 | $2,189 | 47 | Elevated |
| Squaw Lake | 2 | $1,500 | 47 | Elevated |
| Le Center | 1 | $2,321 | 47 | Elevated |
| Sauk Rapids | 1 | $2,231 | 47 | Elevated |
| Effie | 1 | $1,705 | 47 | Elevated |
| Knife River | 1 | $1,779 | 47 | Elevated |
| Blue Earth | 1 | $2,164 | 47 | Elevated |
| Finlayson | 1 | $1,753 | 47 | Elevated |
| Cambridge | 1 | $2,324 | 47 | Elevated |
| Rock Creek | 2 | $2,143 | 47 | Elevated |
| Bemidji | 1 | $1,900 | 47 | Elevated |
| Fairmont | 1 | $2,095 | 47 | Elevated |
| Ball Club | 2 | $1,697 | 47 | Elevated |
| Pine Island | 1 | $2,272 | 47 | Elevated |
| Austin | 1 | $2,066 | 47 | Elevated |
| Cokato | 1 | $2,373 | 47 | Elevated |
| Benson | 1 | $2,151 | 47 | Elevated |
| Fergus Falls | 1 | $2,005 | 47 | Elevated |
| Hutchinson | 1 | $2,386 | 47 | Elevated |
| Longville | 1 | $1,888 | 47 | Elevated |
| Crookston | 1 | $1,867 | 47 | Elevated |
| Emily | 2 | $1,792 | 47 | Elevated |
| Winthrop | 1 | $2,316 | 47 | Elevated |
| Wyoming | 1 | $2,411 | 47 | Elevated |
| Evansville | 1 | $1,880 | 47 | Elevated |
| Fosston | 1 | $1,546 | 47 | Elevated |
| Elk River | 1 | $2,529 | 47 | Elevated |
| Silver Lake | 1 | $2,240 | 47 | Elevated |
| Mantorville | 1 | $2,597 | 47 | Elevated |
| Burtrum | 1 | $1,919 | 47 | Elevated |
| New Prague | 1 | $2,774 | 47 | Elevated |
| Blackduck | 1 | $1,662 | 46 | Elevated |
| Grasston | 1 | $2,111 | 46 | Elevated |
| Eden Valley | 1 | $2,017 | 46 | Elevated |
| Willmar | 1 | $2,188 | 46 | Elevated |
| Byron | 1 | $2,456 | 46 | Elevated |
| St. James | 1 | $2,095 | 46 | Elevated |
| Ashby | 1 | $1,803 | 46 | Elevated |
| St. Cloud | 3 | $2,146 | 46 | Elevated |
| Brainerd | 1 | $2,080 | 46 | Elevated |
| Starbuck | 1 | $2,144 | 46 | Elevated |
| Little Falls | 1 | $1,957 | 46 | Elevated |
| Jenkins | 1 | $2,115 | 46 | Elevated |
| Breckenridge | 1 | $2,016 | 46 | Elevated |
| Princeton | 1 | $2,377 | 46 | Elevated |
| Clarissa | 1 | $1,832 | 46 | Elevated |
| Cleveland | 1 | $2,327 | 46 | Elevated |
| Sartell | 1 | $2,423 | 46 | Elevated |
| Litchfield | 1 | $2,114 | 46 | Elevated |
| Frazee | 2 | $2,102 | 46 | Elevated |
| Twin Valley | 1 | $1,826 | 46 | Elevated |
| Mapleton | 1 | $2,170 | 46 | Elevated |
| Belle Plaine | 1 | $2,584 | 46 | Elevated |
| Waseca | 1 | $2,230 | 46 | Elevated |
| Tower | 1 | $1,891 | 46 | Elevated |
| Elbow Lake | 1 | $1,884 | 46 | Elevated |
| Waterville | 1 | $2,133 | 46 | Elevated |
| Lake City | 1 | $2,104 | 45 | Elevated |
| La Crescent | 1 | $2,124 | 45 | Elevated |
| Gilbert | 2 | $1,550 | 45 | Elevated |
| Barnesville | 1 | $2,114 | 45 | Elevated |
| Biwabik | 3 | $1,516 | 45 | Elevated |
| Long Prairie | 1 | $2,044 | 45 | Elevated |
| Wabasha | 1 | $2,127 | 45 | Elevated |
| Zimmerman | 1 | $2,535 | 45 | Elevated |
| Chisholm | 1 | $1,537 | 45 | Elevated |
| Winona | 1 | $1,896 | 45 | Elevated |
| Medford | 1 | $2,273 | 45 | Elevated |
| Hawley | 1 | $2,147 | 45 | Elevated |
| Warren | 1 | $1,789 | 45 | Elevated |
| Mankato | 1 | $2,183 | 45 | Elevated |
| Carlos | 1 | $2,272 | 45 | Elevated |
| Janesville | 1 | $2,199 | 45 | Elevated |
| Lake Park | 1 | $2,234 | 45 | Elevated |
| Babbitt | 2 | $1,502 | 45 | Elevated |
| St. Charles | 1 | $2,018 | 45 | Elevated |
| Greenbush | 1 | $1,623 | 45 | Elevated |
| Rice | 1 | $2,343 | 45 | Elevated |
| Detroit Lakes | 1 | $2,193 | 45 | Elevated |
| Palisade | 1 | $1,640 | 45 | Elevated |
| Hackensack | 1 | $1,881 | 45 | Elevated |
| Trommald | 1 | $1,774 | 45 | Elevated |
| Hanover | 1 | $2,664 | 44 | Elevated |
| Rochester | 4 | $2,361 | 44 | Elevated |
| Twin Lakes | 1 | $1,794 | 44 | Elevated |
| Lino Lakes | 1 | $2,432 | 44 | Elevated |
| St. Peter | 1 | $2,205 | 44 | Elevated |
| Akeley | 1 | $1,810 | 44 | Elevated |
| Laporte | 1 | $1,922 | 44 | Elevated |
| New Ulm | 1 | $2,091 | 44 | Elevated |
| Warroad | 1 | $1,722 | 44 | Elevated |
| Osakis | 1 | $1,813 | 44 | Elevated |
| Pequot Lakes | 1 | $2,159 | 44 | Elevated |
| Watkins | 1 | $2,230 | 44 | Elevated |
| Duluth | 7 | $1,803 | 44 | Elevated |
| Becker | 1 | $2,598 | 44 | Elevated |
| Ellendale | 1 | $2,489 | 44 | Elevated |
| Arlington | 1 | $2,256 | 44 | Elevated |
| Virginia | 1 | $1,617 | 44 | Elevated |
| Bigfork | 2 | $1,792 | 44 | Elevated |
| East Grand Forks | 1 | $1,935 | 44 | Elevated |
| Roosevelt | 1 | $1,381 | 43 | Elevated |
| Ortonville | 1 | $1,884 | 43 | Elevated |
| Mora | 1 | $1,978 | 43 | Elevated |
| Blooming Prairie | 1 | $2,267 | 43 | Elevated |
| Motley | 1 | $1,756 | 43 | Elevated |
| Foley | 1 | $2,336 | 43 | Elevated |
| Montgomery | 1 | $2,276 | 43 | Elevated |
| McGregor | 1 | $1,817 | 43 | Elevated |
| Baxter | 1 | $2,013 | 43 | Elevated |
| North Mankato | 1 | $2,157 | 43 | Elevated |
| Cass Lake | 1 | $1,635 | 43 | Elevated |
| Soudan | 1 | $1,265 | 42 | Elevated |
| Owatonna | 1 | $2,224 | 42 | Elevated |
| Osage | 1 | $1,874 | 42 | Elevated |
| Wrenshall | 2 | $1,648 | 42 | Elevated |
| Rice Lake | 3 | $1,804 | 42 | Elevated |
| Alexandria | 1 | $2,130 | 42 | Elevated |
| Beaulieu | 1 | $1,692 | 42 | Elevated |
| Littlefork | 1 | $1,517 | 42 | Elevated |
| Remer | 1 | $1,741 | 42 | Elevated |
| Isle | 1 | $1,664 | 42 | Elevated |
| Backus | 1 | $1,689 | 42 | Elevated |
| Hibbing | 1 | $1,562 | 42 | Elevated |
| Kerrick | 1 | $1,489 | 42 | Elevated |
| Brook Park | 1 | $1,941 | 42 | Elevated |
| Le Sueur | 1 | $2,193 | 42 | Elevated |
| Sandstone | 1 | $1,662 | 41 | Elevated |
| Moorhead | 1 | $1,986 | 41 | Elevated |
| Pillager | 1 | $1,977 | 41 | Elevated |
| Finland | 3 | $1,647 | 41 | Elevated |
| Park Rapids | 1 | $1,982 | 41 | Elevated |
| Eveleth | 1 | $1,535 | 41 | Elevated |
| Keewatin | 2 | $1,562 | 41 | Elevated |
| Kasson | 1 | $2,075 | 41 | Elevated |
| Grand Rapids | 1 | $1,947 | 41 | Elevated |
| Aitkin | 1 | $1,763 | 41 | Elevated |
| Menahga | 1 | $1,758 | 40 | Moderate |
| Nicollet | 1 | $2,059 | 40 | Moderate |
| Cloquet | 2 | $1,756 | 40 | Moderate |
| Stewartville | 1 | $2,061 | 40 | Moderate |
| Ogema | 1 | $1,785 | 40 | Moderate |
| Dilworth | 1 | $1,942 | 40 | Moderate |
| Grand Marais | 2 | $1,739 | 39 | Moderate |
| Thief River Falls | 1 | $1,781 | 39 | Moderate |
| Mahtowa | 2 | $1,800 | 39 | Moderate |
| Cohasset | 1 | $2,121 | 39 | Moderate |
| Hermantown | 2 | $1,788 | 39 | Moderate |
| Nevis | 1 | $1,753 | 39 | Moderate |
| Nashwauk | 2 | $1,743 | 38 | Moderate |
| Clear Lake | 1 | $2,375 | 38 | Moderate |
| Taconite | 1 | $1,773 | 38 | Moderate |
| Pine Bend | 1 | $1,447 | 38 | Moderate |
| Hinckley | 1 | $1,744 | 38 | Moderate |
| Roseau | 1 | $1,704 | 37 | Moderate |
| Sturgeon Lake | 1 | $1,800 | 36 | Moderate |
| Moose Lake | 1 | $1,750 | 35 | Moderate |
| Hoyt Lakes | 2 | $1,300 | 35 | Moderate |
| Silver Bay | 1 | $1,478 | 34 | Moderate |
| Esko | 1 | $1,869 | 34 | Moderate |
| Ely | 1 | $1,717 | 34 | Moderate |
| Baudette | 1 | $1,548 | 32 | Moderate |
| Two Harbors | 1 | $1,707 | 31 | Moderate |
| Rutledge | 1 | $1,544 | 29 | Moderate |
| Williams | 1 | $1,423 | 28 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.