Home Insurance in Janesville, Iowa
Homes in Janesville carry a median value of $221,700 - close to the Bremer County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Janesville was built around 1974. About 30% of homes were built before 1960, about 10 points below Bremer County's 40%.
In Janesville, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
70% of owner-occupied homes in Janesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Janesville are owner-occupied.
Most homes in Janesville - 66% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Bremer County's overall risk as Very Low, led by hail (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $221,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)