Home Insurance in Bird Island, Minnesota
The median home value in Bird Island is $142,100, 13% lower than the Renville County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bird Island was built around 1962. About 48% of homes were built before 1960, about 3 points below Renville County's 51%.
The housing stock in Bird Island is 86% single-family homes and 10% apartments in buildings with 5+ units.
About 44% of owner-occupied homes in Bird Island have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Bird Island are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
83% of homes in Bird Island are primarily heated with natural gas.
What's the biggest home insurance risk near Bird Island? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Renville County and Renville County had 5 active NFIP flood policies as of September 2026. See the full Renville 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 home value | $142,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Renville County | 5 |
| 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)