Home Insurance in Westbrook, Minnesota
The median home value in Westbrook is $78,200, 54% lower than the Cottonwood County median.
The typical home in Westbrook was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 5 points above Cottonwood County's 46%.
In Westbrook, the housing stock is 76% single-family homes and 23% apartments in buildings with 5+ units.
34% of owner-occupied homes in Westbrook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Westbrook are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Westbrook - 67% - are primarily heated with natural gas.
FEMA rates Cottonwood County's overall risk as Very Low, led by winter weather (Relatively Moderate). Cottonwood County had 35 active NFIP flood policies as of September 2026. See the full Cottonwood 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 | $78,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Cottonwood 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)