Home Insurance in Brainerd, Minnesota
Homes in Brainerd carry a median value of $192,500 - 37% lower than the Crow Wing County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brainerd was built around 1971. About 41% of homes were built before 1960, about 23 points above Crow Wing County's 17%.
The housing stock in Brainerd is 64% single-family homes, 24% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Brainerd have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brainerd has an owner-occupancy rate of 57% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Brainerd - 70% - are primarily heated with natural gas.
FEMA rates Crow Wing County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Crow Wing County had 95 active NFIP flood policies as of September 2026. See the full Crow Wing County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $192,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Crow Wing County | 95 |
| 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)