Home Insurance in Wilton, Minnesota
Homes in Wilton carry a median value of $162,500 - 32% lower than the Beltrami County median.
The typical home in Wilton was built around 1983. About 20% of homes were built before 1960, in line with Beltrami County (19%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Wilton, the housing stock is 63% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wilton, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wilton has an owner-occupancy rate of 65% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
48% of homes in Wilton are primarily heated with propane. 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 | $162,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)