Home Insurance in Kelliher, Minnesota
The median home value in Kelliher is $179,600, 24% lower than the Beltrami County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Kelliher was built in 1939 or earlier. About 60% of homes were built before 1960, about 41 points above Beltrami County's 19%.
The housing stock in Kelliher is 80% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Kelliher have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Kelliher are owner-occupied.
Most homes in Kelliher - 58% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Beltrami County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Beltrami County had 3 active NFIP flood policies as of September 2026. See the full Beltrami County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $179,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Beltrami County | 3 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)