Home Insurance in Browerville, Minnesota
Homes in Browerville carry a median value of $130,900 - 37% lower than the Todd County median.
The typical home in Browerville was built around 1953. About 57% of homes were built before 1960, about 24 points above Todd County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Browerville is 74% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Browerville, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Browerville are owner-occupied.
73% of homes in Browerville are primarily heated with natural gas.
Todd County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Todd County had 41 active NFIP flood policies as of September 2026. See the full Todd 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 | $130,900 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Todd County | 41 |
| 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)