Home Insurance in Comfrey, Minnesota
Homes in Comfrey carry a median value of $96,300 - 50% lower than the Brown County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Comfrey was built around 1957. About 55% of homes were built before 1960, about 8 points above Brown County's 48%.
The housing stock in Comfrey is 88% single-family homes and 11% apartments in buildings with 5+ units.
39% of owner-occupied homes in Comfrey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Comfrey are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Comfrey - 61% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Comfrey? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Brown County and Brown County had 35 active NFIP flood policies as of September 2026. See the full Brown 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 | $96,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Brown County | 35 |
| 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)