Home Insurance in Brunsville, Iowa
With a median home value of $129,200, Brunsville is 44% lower than the Plymouth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brunsville was built around 1972. About 34% of homes were built before 1960, about 5 points below Plymouth County's 39%.
In Brunsville, the housing stock is 90% single-family homes.
In Brunsville, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Brunsville are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Brunsville, 46% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Brunsville? FEMA's National Risk Index points to hail (Relatively Moderate) in Plymouth County and Plymouth County had 26 active NFIP flood policies as of September 2026. See the full Plymouth 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 | $129,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Plymouth County | 26 |
| 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)