Home Insurance in Freeborn County, Minnesota
With a median home value of $171,100, Freeborn County is 48% lower than the Minnesota median.
The typical home in Freeborn County was built around 1959. About 52% of homes were built before 1960, about 23 points above Minnesota's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Freeborn County breaks down to 84% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
53% of owner-occupied homes in Freeborn County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Freeborn County are owner-occupied.
Most homes in Freeborn County - 65% - 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.
The top hazards for Freeborn County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), tornado (Relatively Moderate) and winter weather (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Freeborn County has 18 active NFIP flood policies on file.
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 | $171,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 18 |
| Home insurance premium | $1,988 - statewide average (NAIC, 2023 data) |
Towns and cities
- Albert Lea
- Alden
- Clarks Grove
- Conger
- Emmons
- Freeborn
- Geneva
- Glenville
- Hartland
- Hayward
- Hollandale
- Manchester
- Myrtle
- Twin Lakes
Sources
- 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)