Home Insurance in Duluth, Minnesota
With a median home value of $242,700, Duluth is 10% higher than the St. Louis County median.
The typical home in Duluth was built around 1951. About 61% of homes were built before 1960, about 13 points above St. Louis County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Duluth breaks down to 62% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Duluth, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Duluth has an owner-occupancy rate of 59% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Duluth, 72% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Duluth? FEMA's National Risk Index points to winter weather (Very High) in St. Louis County and St. Louis County had 343 active NFIP flood policies as of September 2026. See the full St. Louis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $242,700 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)