Home Insurance in Breezy Point, Minnesota
Homes in Breezy Point carry a median value of $340,800 - 11% higher than the Crow Wing County median.
The typical home in Breezy Point was built around 1997. About 3% of homes were built before 1960, about 14 points below Crow Wing County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Breezy Point breaks down to 92% single-family homes and 6% apartments in buildings with 5+ units.
69% of owner-occupied homes in Breezy Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Breezy Point has an owner-occupancy rate of 94% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Most homes in Breezy Point - 79% - are primarily heated with natural gas. Homes heated with propane 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 Breezy Point? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Crow Wing County and 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 | $340,800 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)