Home Insurance in Breda, Iowa
With a median home value of $144,600, Breda is 18% lower than the Carroll County median.
The typical home in Breda was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 9 points above Carroll County's 45%.
Housing in Breda breaks down to 95% single-family homes and 5% apartments in buildings with 5+ units.
44% of owner-occupied homes in Breda carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Breda are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Breda, 69% of homes are primarily heated with propane.
What's the biggest home insurance risk near Breda? FEMA's National Risk Index points to hail (Relatively High) in Carroll County and Carroll County had 20 active NFIP flood policies as of September 2026. See the full Carroll 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 | $144,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Carroll County | 20 |
| 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)