Home Insurance in Burt, Iowa
The median home value in Burt is $75,000, 49% lower than the Kossuth County median.
The typical home in Burt was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 5 points above Kossuth County's 48%.
Housing in Burt breaks down to 93% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Burt, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Burt are owner-occupied.
Most homes in Burt - 90% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Kossuth County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Kossuth County had 6 active NFIP flood policies as of September 2026. See the full Kossuth 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 | $75,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Kossuth County | 6 |
| 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)