Home Insurance in Bertram, Iowa
With a median home value of $296,700, Bertram is 38% higher than the Linn County median.
The typical home in Bertram was built around 1985. About 14% of homes were built before 1960, about 14 points below Linn County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Bertram, the housing stock is 100% single-family homes.
About 60% of owner-occupied homes in Bertram have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bertram has an owner-occupancy rate of 87% and a vacancy rate of 5%; 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. 67% of homes in Bertram are primarily heated with propane.
What's the biggest home insurance risk near Bertram? FEMA's National Risk Index points to strong wind (Very High) in Linn County and Linn County had 1,092 active NFIP flood policies as of September 2026. See the full Linn 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 | $296,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Linn County | 1,092 |
| 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)