Home Insurance in Bruno, Minnesota
The median home value in Bruno is $185,000, 23% lower than the Pine County median.
The typical home in Bruno was built around 1941. About 64% of homes were built before 1960, about 41 points above Pine County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bruno is 76% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Bruno, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Bruno are owner-occupied.
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. 80% of homes in Bruno are primarily heated with propane.
FEMA rates Pine County's overall risk as Relatively Low, led by hail (Relatively Moderate). Pine County had 120 active NFIP flood policies as of September 2026. See the full Pine 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 | $185,000 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pine County | 120 |
| 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)