Home Insurance in Brownsdale, Minnesota
The median home value in Brownsdale is $148,600, 20% lower than the Mower County median.
The typical home in Brownsdale was built around 1957. About 59% of homes were built before 1960, about 3 points above Mower County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brownsdale, the housing stock is 84% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Brownsdale, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Brownsdale are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Brownsdale, 88% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Brownsdale? FEMA's National Risk Index points to hail (Relatively Moderate) in Mower County and Mower County had 81 active NFIP flood policies as of September 2026. See the full Mower 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 | $148,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Mower County | 81 |
| 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)