Home Insurance in Braham, Minnesota
With a median home value of $196,800, Braham is 36% lower than the Isanti County median.
The typical home in Braham was built around 1978. About 28% of homes were built before 1960, about 10 points above Isanti County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Braham is 70% single-family homes, 19% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 69% of owner-occupied homes in Braham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Braham has an owner-occupancy rate of 69% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Braham, 83% of homes are primarily heated with natural gas.
Isanti County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Isanti County had 66 active NFIP flood policies as of September 2026. See the full Isanti 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 | $196,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Isanti County | 66 |
| 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)