Home Insurance in Bronson, Iowa
The median home value in Bronson is $168,800, 8% lower than the Woodbury County median.
The typical home in Bronson was built around 1955. About 54% of homes were built before 1960, about 3 points above Woodbury County's 51%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Bronson is 99% single-family homes.
In Bronson, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Bronson are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bronson - 66% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Woodbury County had 199 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Woodbury 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 | $168,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Woodbury County | 199 |
| 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)