Home Insurance in Britt, Iowa
The median home value in Britt is $101,900, 28% lower than the Hancock County median.
The typical home in Britt was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 1 point above Hancock County's 50%.
The housing stock in Britt is 88% single-family homes and 10% apartments in buildings with 5+ units.
About 49% of owner-occupied homes in Britt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Britt are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Britt, 72% of homes are primarily heated with natural gas.
Hancock County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Hancock County had 7 active NFIP flood policies as of September 2026. See the full Hancock 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 | $101,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Hancock County | 7 |
| 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)