Home Insurance in Elrosa, Minnesota
Homes in Elrosa carry a median value of $174,300 - 36% lower than the Stearns County median.
The typical home in Elrosa was built around 1980. About 22% of homes were built before 1960, in line with Stearns County (21%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Elrosa is 91% single-family homes.
41% of owner-occupied homes in Elrosa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Elrosa 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 Elrosa, 63% of homes are primarily heated with propane.
FEMA rates Stearns County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Stearns County had 160 active NFIP flood policies as of September 2026. See the full Stearns 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 | $174,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Stearns County | 160 |
| 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)