Home Insurance in Brooks, Minnesota
The median home value in Brooks is $96,800, 40% lower than the Red Lake County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brooks was built around 1951. About 57% of homes were built before 1960, about 17 points above Red Lake County's 40%.
In Brooks, the housing stock is 80% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 27% of owner-occupied homes in Brooks have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brooks has an owner-occupancy rate of 74% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
66% of homes in Brooks are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Brooks? FEMA's National Risk Index points to wildfire (Very Low) in Red Lake County and Red Lake County has no active NFIP flood policies on file. See the full Red Lake 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 | $96,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Wildfire (Very Low) |
| 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)