Home Insurance in Audubon, Minnesota
With a median home value of $207,000, Audubon is 29% lower than the Becker County median.
The typical home in Audubon was built around 1969. About 35% of homes were built before 1960, about 10 points above Becker County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Audubon is 66% single-family homes, 17% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
79% of owner-occupied homes in Audubon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Audubon has an owner-occupancy rate of 69% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
61% of homes in Audubon are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Becker County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Becker County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $207,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Becker 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)