Home Insurance in Badger, Minnesota
Homes in Badger carry a median value of $110,000 - 40% lower than the Roseau County median.
The typical home in Badger was built around 1976. About 33% of homes were built before 1960, about 12 points above Roseau County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Badger, the housing stock is 74% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Badger have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Badger are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Badger - 62% - are primarily heated with propane.
Roseau County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Roseau County had 48 active NFIP flood policies as of September 2026. See the full Roseau 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 | $110,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Roseau County | 48 |
| 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)