Home Insurance in Conger, Minnesota
Homes in Conger carry a median value of $120,000 - 30% lower than the Freeborn County median.
The typical home in Conger was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 1 point above Freeborn County's 52%.
Housing in Conger breaks down to 98% single-family homes and 2% mobile or manufactured homes.
About 63% of owner-occupied homes in Conger have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Conger has an owner-occupancy rate of 98% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Conger, 87% of homes are primarily heated with natural gas.
Freeborn County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Freeborn County had 18 active NFIP flood policies as of September 2026. See the full Freeborn County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Minnesota carries a statewide average premium of $1,988 per year.
Key figures
| Median home value | $120,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Freeborn County | 18 |
| 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)