HomeInsuranceQts

Home Insurance in Kinbrae, Minnesota

The typical home in Kinbrae was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 7 points above 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 Kinbrae is 50% single-family homes and 50% mobile or manufactured homes.

Almost no owner-occupied homes in Kinbrae carry a mortgage.

Kinbrae has an owner-occupancy rate of 100% and a vacancy rate of 50%; unoccupied homes typically need a different coverage form.

Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Kinbrae are primarily heated with propane.

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.

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 year built1960
Owner-occupied share100%
Share of owner-occupied homes with a mortgage0%
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 Kinbrae, MN

Nearby towns

Sources

Data last updated: 2026-09-29