Home Insurance in Eagle Bend, Minnesota
The median home value in Eagle Bend is $99,100, 52% lower than the Todd County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Eagle Bend was built around 1945. About 67% of homes were built before 1960, about 33 points above Todd County's 34%.
Housing in Eagle Bend breaks down to 88% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Eagle Bend, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Eagle Bend has an owner-occupancy rate of 83% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Eagle Bend, 63% of homes are primarily heated with natural gas.
Todd County had 41 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Todd 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 | $99,100 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)