Home Insurance in Bedford, Iowa
With a median home value of $96,800, Bedford is 17% lower than the Taylor County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bedford was built around 1949. About 59% of homes were built before 1960, about 2 points above Taylor County's 57%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bedford is 87% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Bedford, about 51% 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 78% of occupied homes in Bedford are owner-occupied.
69% of homes in Bedford are primarily heated with natural gas.
Taylor County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Low). See the full Taylor 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 | $96,800 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Low) |
| 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)