Home Insurance in Springbrook, Iowa
With a median home value of $151,000, Springbrook is 14% lower than the Jackson County median.
The typical home in Springbrook was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 5 points below Jackson County's 40%.
Housing in Springbrook breaks down to 97% single-family homes and 3% apartments in buildings with 5+ units.
38% of owner-occupied homes in Springbrook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Springbrook has an owner-occupancy rate of 92% and a vacancy rate of 12%; 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. Most homes in Springbrook - 87% - are primarily heated with natural gas.
FEMA rates Jackson County's overall risk as Very Low, led by hail (Relatively Moderate). Jackson County had 30 active NFIP flood policies as of September 2026. See the full Jackson 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 | $151,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jackson County | 30 |
| 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)