St. Paul, MN

12 ZIP codes — Minnesota

Compare quotes in St. Paul, MN

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Avg Premium (2025 Est.)

$2,489

+14.6% from 2022

Stress Score

54/100

Nonrenewal Rate

0.77%

Insurance/Income

3.0%

ZIP Codes in St. Paul

ZIP	Avg Premium	Stress Score	Risk
55103	$1,920	62	High
55101	$2,285	61	High
55130	$1,908	61	High
55114	$2,304	60	Elevated
55106	$1,867	54	Elevated
55116	$2,375	53	Elevated
55104	$2,202	52	Elevated
55108	$2,266	52	Elevated
55102	$2,354	51	Elevated
55107	$1,999	50	Elevated
55117	$1,948	49	Elevated
55105	$2,632	48	Elevated

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.