Home Insurance in Birchwood Village, Minnesota
With a median home value of $462,800, Birchwood Village is 10% higher than the Washington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Birchwood Village was built around 1971. About 39% of homes were built before 1960, about 26 points above Washington County's 13%.
Housing in Birchwood Village breaks down to 92% single-family homes and 8% apartments in buildings with 5+ units.
In Birchwood Village, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Birchwood Village has an owner-occupancy rate of 87% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
85% of homes in Birchwood Village are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Washington County had 323 active NFIP flood policies as of September 2026. See the full Washington 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 | $462,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Washington County | 323 |
| 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)