Home Insurance in Bondurant, Iowa
Homes in Bondurant carry a median value of $318,800 - 22% higher than the Polk County median.
The typical home in Bondurant was built around 2011. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 22 points below Polk County's 28%.
Housing in Bondurant breaks down to 96% single-family homes and 4% apartments in buildings with 5+ units.
In Bondurant, about 89% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 91% of occupied homes in Bondurant are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bondurant - 72% - are primarily heated with natural gas.
Polk County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Polk County had 1,116 active NFIP flood policies as of September 2026. See the full Polk 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 | $318,800 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 89% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Polk County | 1,116 |
| 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)