Home Insurance in Pemberton, Minnesota
Homes in Pemberton carry a median value of $170,800 - 36% lower than the Blue Earth County median.
The typical home in Pemberton was built around 1970. About 42% of homes were built before 1960, about 11 points above Blue Earth County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pemberton is 95% single-family homes.
In Pemberton, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pemberton has an owner-occupancy rate of 90% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Pemberton - 92% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Blue Earth County's overall risk as Relatively Low, led by strong wind (Relatively High). Blue Earth County had 75 active NFIP flood policies as of September 2026. See the full Blue Earth 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 | $170,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Blue Earth County | 75 |
| 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)