Home Insurance in Brooklyn, Iowa
The median home value in Brooklyn is $137,100, 34% lower than the Poweshiek County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brooklyn was built around 1955. About 53% of homes were built before 1960, about 13 points above Poweshiek County's 40%.
The housing stock in Brooklyn is 77% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Brooklyn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Brooklyn are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Brooklyn are primarily heated with natural gas.
What's the biggest home insurance risk near Brooklyn? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Poweshiek County and Poweshiek County had 11 active NFIP flood policies as of September 2026. See the full Poweshiek County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $137,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Poweshiek County | 11 |
| 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)