Home Insurance in Bluffton, Minnesota
With a median home value of $182,300, Bluffton is 33% lower than the Otter Tail County median.
The typical home in Bluffton was built around 1975. About 27% of homes were built before 1960, in line with Otter Tail County (27%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bluffton, the housing stock is 86% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
74% of owner-occupied homes in Bluffton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bluffton has an owner-occupancy rate of 83% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
42% of homes in Bluffton are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Otter Tail County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Otter Tail County had 7 active NFIP flood policies as of September 2026. See the full Otter Tail County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Minnesota, the statewide average premium for a standard HO-3 homeowners policy is $1,988 per year (NAIC, 2023 data).
Key figures
| Median home value | $182,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Otter Tail County | 7 |
| 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)