Home Insurance in Ellsworth, Minnesota
The median home value in Ellsworth is $86,200, 56% lower than the Nobles County median.
The typical home in Ellsworth was built around 1956. About 57% of homes were built before 1960, about 14 points above Nobles County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ellsworth, the housing stock is 97% single-family homes and 3% apartments in buildings with 5+ units.
In Ellsworth, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ellsworth has an owner-occupancy rate of 80% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
83% of homes in Ellsworth are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Nobles County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Nobles County had 20 active NFIP flood policies as of September 2026. See the full Nobles 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 | $86,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Nobles County | 20 |
| 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)