Home Insurance in Bristow, Iowa
Homes in Bristow carry a median value of $65,000 - 61% lower than the Butler County median.
The typical home in Bristow was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 1 point above Butler County's 52%.
Housing in Bristow breaks down to 95% single-family homes and 2% mobile or manufactured homes.
About 62% of owner-occupied homes in Bristow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Bristow are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bristow, 49% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Bristow? FEMA's National Risk Index points to winter weather (Relatively Low) in Butler County and Butler County had 128 active NFIP flood policies as of September 2026. See the full Butler 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 | $65,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Butler County | 128 |
| 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)