Home Insurance in Clontarf, Minnesota
The median home value in Clontarf is $128,100, 21% lower than the Swift County median.
The typical home in Clontarf was built around 1968. About 42% of homes were built before 1960, about 10 points below Swift County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Clontarf breaks down to 73% single-family homes. The rest are 2-4 unit or other housing types.
16% of owner-occupied homes in Clontarf carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clontarf has an owner-occupancy rate of 90% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Clontarf - 81% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Swift County's overall risk as Very Low, led by winter weather (Relatively Moderate). Swift County had 8 active NFIP flood policies as of September 2026. See the full Swift 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 | $128,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Swift County | 8 |
| 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)