Home Insurance in Carlton County, Minnesota
The median home value in Carlton County is $245,100, 26% lower than the Minnesota median.
The typical home in Carlton County was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 6 points above Minnesota's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carlton County is 83% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Carlton County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Carlton County has an owner-occupancy rate of 80% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 37% of homes in Carlton County are primarily heated with natural gas.
Per FEMA's National Risk Index, Carlton County's top hazards are inland flooding (Relatively Low), winter weather (Relatively Low) and hail (Relatively Low).
As of September 2026, Carlton County has 33 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $245,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Winter Weather (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 33 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)