Home Insurance in Elysian, Minnesota
Homes in Elysian carry a median value of $285,400 - 10% lower than the Le Sueur County median.
The typical home in Elysian was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 17 points below Le Sueur County's 36%.
The housing stock in Elysian is 82% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Elysian carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Elysian has an owner-occupancy rate of 83% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Elysian - 80% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Le Sueur County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Le Sueur County had 67 active NFIP flood policies as of September 2026. See the full Le Sueur 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 | $285,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Le Sueur County | 67 |
| 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)