Home Insurance in Ulen, Minnesota
Homes in Ulen carry a median value of $174,300 - 34% lower than the Clay County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ulen was built around 1992. About 22% of homes were built before 1960, about 2 points below Clay County's 24%.
In Ulen, the housing stock is 65% single-family homes and 32% apartments in buildings with 5+ units.
About 56% of owner-occupied homes in Ulen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ulen has an owner-occupancy rate of 59% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ulen, 54% of homes are primarily heated with electricity.
Clay County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Clay County had 195 active NFIP flood policies as of September 2026. See the full Clay County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $174,300 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Clay County | 195 |
| 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)