Home Insurance in Frederika, Iowa
With a median home value of $98,100, Frederika is 55% lower than the Bremer County median.
The typical home in Frederika was built around 1948. About 65% of homes were built before 1960, about 25 points above Bremer County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Frederika is 95% single-family homes and 2% apartments in buildings with 5+ units.
In Frederika, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Frederika has an owner-occupancy rate of 85% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Frederika - 77% - are primarily heated with propane.
Bremer County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Bremer County had 125 active NFIP flood policies as of September 2026. See the full Bremer 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 Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $98,100 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Bremer County | 125 |
| 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)