Home Insurance in Caledonia, Minnesota
The median home value in Caledonia is $157,900, 34% lower than the Houston County median.
The typical home in Caledonia was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 10 points above Houston County's 40%.
Housing in Caledonia breaks down to 90% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 52% of owner-occupied homes in Caledonia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Caledonia are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Caledonia - 84% - are primarily heated with natural gas.
Houston County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Houston County had 43 active NFIP flood policies as of September 2026. See the full Houston County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $157,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Houston County | 43 |
| 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)