HomeInsuranceQts

Home Insurance in Brewster, Minnesota

Homes in Brewster carry a median value of $152,200 - 23% lower than the Nobles County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brewster was built around 1978. About 36% of homes were built before 1960, about 6 points below Nobles County's 43%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brewster is 85% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes.

In Brewster, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Brewster has an owner-occupancy rate of 59% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Brewster, 63% of homes are primarily heated with natural gas.

FEMA rates Nobles County's overall risk as Relatively Low, led by hail (Relatively Moderate). Nobles County had 20 active NFIP flood policies as of September 2026. See the full Nobles 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$152,200
Median year built1978
Owner-occupied share59%
Share of owner-occupied homes with a mortgage50%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Nobles County20
Home insurance premium$1,988 - statewide average (NAIC, 2023 data)
Key home insurance figures for Brewster, MN

Nearby towns

Sources

Data last updated: 2026-09-29