Homeowners Insurance in St. Paul, MN

For a home at St. Paul's median value of $294,500, we estimate about $1,795 a year — −10% versus the Minnesota NAIC average of $1,988.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in St. Paul

Est. premium

$1,795

$150/mo · median home

Median home value

$294,500

Minnesota: $329,300

Median year built

1952

Census ACS

Owner-occupied

52.9%

of households

Hazard score

78.6

state ref. 81.0

St. Paul's estimate reflects its home values (11% lower than the state median) and FEMA's hazard profile for Ramsey County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in St. Paul

FEMA National Risk Index — Ramsey County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	99.0	Comprehensive (car); roof claims (home)
Tornado	Relatively High	98.7	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	93.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	90.8	Comprehensive; dwelling
Winter weather	Relatively High	92.2	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	52.6	Comprehensive; dwelling
Earthquake	Very Low	28.9	Home needs a separate earthquake policy
Lightning	Relatively Moderate	73.1	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in St. Paul

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,315	$1,210
$300,000	$1,820	$1,675
$500,000	$2,740	$2,520
$750,000	$3,785	$3,485

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in St. Paul

ZIP	Median home value	Owner-occupied	Est. premium
55106	$241,800	61.1%	$1,530
55104	$317,700	53.1%	$1,905
55117	$280,500	61.3%	$1,725
55119	$277,500	65.4%	$1,710
55105	$470,100	66.6%	$2,605
55116	$418,200	51.0%	$2,375
55102	$292,200	44.9%	$1,780
55130	$236,000	46.0%	$1,500
55107	$269,600	60.6%	$1,670
55108	$375,600	50.9%	$2,180
55103	$257,500	41.7%	$1,610
55101	$260,400	21.2%	$1,625
55114	$319,800	17.1%	$1,915

Homeowners insurance in Minnesota · Car insurance in St. Paul · Insurance offices near St. Paul

Frequently asked questions

How much is homeowners insurance in St. Paul?

For a home at St. Paul's median value of $294,500, we estimate about $1,795 a year for a standard HO-3 policy with a $1,000 deductible. The Minnesota NAIC average is $1,988.

What are the biggest natural hazards in St. Paul?

FEMA's National Risk Index rates Ramsey County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, and winter weather.

Does the age of homes in St. Paul affect insurance?

Yes. The median home in St. Paul was built in 1952 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Minnesota, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Ramsey County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page