Home Insurance in Aurora, Minnesota
Homes in Aurora carry a median value of $97,600 - 56% lower than the St. Louis County median.
The typical home in Aurora was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 14 points above St. Louis County's 48%.
In Aurora, the housing stock is 73% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Aurora, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Aurora are owner-occupied.
Most homes in Aurora - 62% - are primarily heated with natural gas.
St. Louis County had 343 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full St. Louis County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $97,600 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in St. Louis County | 343 |
| 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)