Home Insurance in Scanlon, Minnesota
With a median home value of $228,800, Scanlon is 7% lower than the Carlton County median.
The typical home in Scanlon was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 22 points above Carlton County's 35%.
In Scanlon, the housing stock is 95% single-family homes and 5% apartments in buildings with 5+ units.
In Scanlon, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Scanlon are owner-occupied.
85% of homes in Scanlon are primarily heated with natural gas.
Carlton County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Carlton County had 33 active NFIP flood policies as of September 2026. See the full Carlton County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $228,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Carlton County | 33 |
| 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)