Flood Risk & Insurance Costs in Freeborn County, MN

Understanding flood insurance options and risk factors in Freeborn County.

Median Home Value

$154,700

Est. NFIP Premium

$619/yr

Est. Private Premium

$464/yr

Potential Savings

$155/yr

NFIP vs. Private Flood Insurance

NFIP (Federal)

Annual Premium$619
Monthly Cost$52
Max Building Coverage$250,000
Max Contents Coverage$100,000

Private Flood Insurance

Annual Premium$464
Monthly Cost$39
Building CoverageUp to full value
Contents CoverageCustomizable

Flood Risk Context for Freeborn County

Freeborn County in Minnesota has a median home value of $154,700 and median household income of $65,679. A major flood event could cause up to $38,675 in damage to a median-value home.

Flood insurance costs vary significantly based on your specific flood zone, elevation, building characteristics, and claims history. The estimates above are county-level approximations. Use our calculator for a personalized analysis with Monte Carlo simulation of 10,000 flood scenarios.

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Other Counties in Minnesota

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: FEMA NFIP, state insurance departments. Estimates are county-level approximations and may not reflect specific properties or flood zones. This is not insurance advice.