Home Insurance in Clearbrook, Minnesota
The median home value in Clearbrook is $107,600, 44% lower than the Clearwater County median.
The typical home in Clearbrook was built around 1975. About 40% of homes were built before 1960, about 15 points above Clearwater County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Clearbrook is 66% single-family homes, 28% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 61% of owner-occupied homes in Clearbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Clearbrook are owner-occupied.
In Clearbrook, 49% of homes are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Clearwater County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Clearwater County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $107,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)