Home Insurance in Burlington, Iowa
With a median home value of $114,300, Burlington is 16% lower than the Des Moines County median.
The typical home in Burlington was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 9 points above Des Moines County's 51%.
The housing stock in Burlington is 81% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
51% of owner-occupied homes in Burlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Burlington has an owner-occupancy rate of 71% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Burlington - 77% - are primarily heated with natural gas.
Des Moines County had 181 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Des Moines County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $114,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Des Moines County | 181 |
| 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)