Home Insurance in Brooten, Minnesota
Homes in Brooten carry a median value of $144,000 - 47% lower than the Stearns County median.
The typical home in Brooten was built around 1960. About 50% of homes were built before 1960, about 29 points above Stearns County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Brooten breaks down to 80% single-family homes and 16% apartments in buildings with 5+ units.
About 51% of owner-occupied homes in Brooten have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brooten has an owner-occupancy rate of 73% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Brooten, 40% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Stearns County had 160 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Stearns 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 | $144,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Stearns County | 160 |
| 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)