Home Insurance in Emily, Minnesota
Homes in Emily carry a median value of $348,800 - 14% higher than the Crow Wing County median.
The typical home in Emily was built around 1987. About 15% of homes were built before 1960, about 2 points below Crow Wing County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Emily, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
In Emily, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Emily are owner-occupied. The vacancy rate is 67%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Emily - 51% - are primarily heated with propane. 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.
Crow Wing County had 95 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Crow Wing County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $348,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Crow Wing County | 95 |
| 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)