Home Insurance in Bena, Minnesota
The median home value in Bena is $112,500, 61% lower than the Cass County median.
The typical home in Bena was built around 1970. About 12% of homes were built before 1960, in line with Cass County (13%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bena, the housing stock is 72% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Bena carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bena has an owner-occupancy rate of 64% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Bena - 61% - are primarily heated with propane. 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.
What's the biggest home insurance risk near Bena? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Cass County and Cass County had 8 active NFIP flood policies as of September 2026. See the full Cass County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Minnesota is $1,988 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $112,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Cass 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)