Home Insurance in Upsala, Minnesota
With a median home value of $147,500, Upsala is 41% lower than the Morrison County median.
The typical home in Upsala was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 9 points above Morrison County's 33%.
In Upsala, the housing stock is 74% single-family homes and 17% apartments in buildings with 5+ units.
In Upsala, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Upsala are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Upsala, 37% of homes are primarily heated with natural gas.
Morrison County had 57 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Morrison County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $147,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Morrison County | 57 |
| 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)