Home Insurance in Brandon, Iowa
The median home value in Brandon is $113,800, 35% lower than the Buchanan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brandon was built around 1964. About 45% of homes were built before 1960, about 9 points above Buchanan County's 36%.
Housing in Brandon breaks down to 75% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in Brandon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brandon has an owner-occupancy rate of 60% and a vacancy rate of 3%; 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. In Brandon, 56% of homes are primarily heated with natural gas.
FEMA rates Buchanan County's overall risk as Very Low, led by hail (Relatively Moderate). Buchanan County had 77 active NFIP flood policies as of September 2026. See the full Buchanan 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 | $113,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buchanan County | 77 |
| 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)