Home Insurance in Ironton, Minnesota
With a median home value of $144,000, Ironton is 53% lower than the Crow Wing County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ironton was built around 1967. About 48% of homes were built before 1960, about 31 points above Crow Wing County's 17%.
The housing stock in Ironton is 78% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
63% of owner-occupied homes in Ironton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Ironton are owner-occupied.
In Ironton, 73% of homes are primarily heated with natural gas.
FEMA rates Crow Wing County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Crow Wing County had 95 active NFIP flood policies as of September 2026. 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.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $144,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)