Fire crews were called to a property on Robertson Road just before 07:30.
The Scottish Fire and Rescue Service said crews had used breathing apparatus as they tackled the fire.
Senior officer for Moray and Aberdeenshire, David Rout, said: "Our thoughts are with the family. We will now investigate the cause."
A woman, believed to be in her 80s, has died following a blaze at a house in the village of Lhanbryde near Elgin in Moray.