Homeowners Insurance & Natural Hazard Costs in Plymouth
Plymouth 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 Plymouth.
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.
Minnesota's sharply rising insurance costs
Minnesota's statewide average homeowners-insurance cost ran approximately $2,399-$3,654/year as of 2026, rising approximately 34% in 2025 alone -- the largest single-year increase of any U.S. state that year.
Key takeaways
- Minnesota's highest-frequency hail corridor runs directly through the Twin Cities metro, including Plymouth.
- Minnesota averages ~27 tornadoes/year, peaking May-September.
- Minnesota's statewide insurance costs rose ~34% in 2025 alone -- confirm current, address-specific quotes directly.
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