Homeowners Insurance & Natural Hazard Costs in Edina
Edina carries Minnesota's real, statewide hail, tornado, and winter hazard exposure, alongside Minnesota's sharply rising statewide homeowners-insurance cost.
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Learn moreMinnesota's real, high hail-loss exposure
Per State Farm's own 2022 report, Minnesota ranked the #1 U.S. state for hail claims (approximately $799 million) -- and the state's highest-frequency hail corridor runs directly through the Twin Cities metro, including Edina.
A real, genuine tornado season
Minnesota averages approximately 27 tornadoes per year (2024's preliminary count ran higher, approximately 41), with tornado season peaking May through September.
A real cost consideration for higher-value homes
Minnesota's statewide average homeowners-insurance cost ran approximately $2,399-$3,654/year as of 2026, up ~34% in 2025 alone -- and Edina's own genuinely elevated home values likely push actual premiums toward the higher end of that range.
Key takeaways
- Minnesota's highest-frequency hail corridor runs directly through the Twin Cities metro, including Edina.
- Minnesota averages ~27 tornadoes/year, peaking May-September.
- Edina's elevated home values likely mean premiums run toward the higher end of Minnesota's statewide range.
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