Home Insurance in Brayton, Iowa
With a median home value of $71,700, Brayton is 41% lower than the Audubon County median.
The median home in Brayton was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 4 points below Audubon County's 64%.
Housing in Brayton breaks down to 99% single-family homes and 1% apartments in buildings with 5+ units.
42% of owner-occupied homes in Brayton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brayton has an owner-occupancy rate of 69% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Brayton, 78% of homes are primarily heated with natural gas.
Audubon County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Audubon County had 4 active NFIP flood policies as of September 2026. See the full Audubon County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $71,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Audubon County | 4 |
| Home insurance premium | $1,342 - 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)