Home Insurance in Evan, Minnesota
With a median home value of $54,000, Evan is 72% lower than the Brown County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Evan was built around 1947. About 53% of homes were built before 1960, about 6 points above Brown County's 48%.
Housing in Evan breaks down to 98% single-family homes and 2% mobile or manufactured homes.
In Evan, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Evan has an owner-occupancy rate of 89% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Evan, 50% of homes are primarily heated with propane.
Brown County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $54,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)