Home Insurance in Birmingham, Iowa
The median home value in Birmingham is $96,300, 16% lower than the Van Buren County median.
The typical home in Birmingham was built around 1953. About 52% of homes were built before 1960, about 10 points above Van Buren County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Birmingham is 77% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 54% of owner-occupied homes in Birmingham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Birmingham has an owner-occupancy rate of 80% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
61% of homes in Birmingham are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Van Buren County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Van Buren 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 | $96,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Van Buren County | 40 |
| 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)