HomeInsuranceQts

Home Insurance in Leonidas, Minnesota

The median home value in Leonidas is $116,700, 47% lower than the St. Louis County median.

The median home in Leonidas was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 6 points above St. Louis County's 48%.

Housing in Leonidas breaks down to 83% single-family homes. The rest are 2-4 unit or other housing types.

About 38% of owner-occupied homes in Leonidas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

All occupied homes in Leonidas are owner-occupied.

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 Leonidas, 50% of homes 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.

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$116,700
Median year built1939 or earlier
Owner-occupied share100%
Share of owner-occupied homes with a mortgage38%
Top county hazardWinter Weather (Very High)
Active NFIP policies in St. Louis County343
Home insurance premium$1,988 - statewide average (NAIC, 2023 data)
Key home insurance figures for Leonidas, MN

Nearby towns

Sources

Data last updated: 2026-09-29