Home Insurance in Lake Bronson, Minnesota
The median home value in Lake Bronson is $44,100, 67% lower than the Kittson County median.
The typical home in Lake Bronson was built around 1971. About 43% of homes were built before 1960, in line with Kittson County (42%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lake Bronson is 66% single-family homes, 28% 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 23% of owner-occupied homes in Lake Bronson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lake Bronson has an owner-occupancy rate of 60% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
51% of homes in Lake Bronson are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Kittson County's overall risk as Very Low, led by wildfire (Relatively Low). Kittson County had 19 active NFIP flood policies as of September 2026. See the full Kittson 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 | $44,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Kittson County | 19 |
| 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)