Home Insurance in Iowa Colony, Texas
Homes in Iowa Colony carry a median value of $405,700 - 35% higher than the Brazoria County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Iowa Colony was built around 2015. About 1% of homes were built before 1960, about 6 points below Brazoria County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Iowa Colony is 96% single-family homes and 4% mobile or manufactured homes.
86% of owner-occupied homes in Iowa Colony carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Iowa Colony are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Iowa Colony, 55% of homes are primarily heated with natural gas.
FEMA rates Brazoria County's overall risk as Relatively Moderate, led by tornado (Relatively High). Brazoria County had 28,316 active NFIP flood policies as of September 2026. See the full Brazoria County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $405,700 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 86% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazoria County | 28,316 |
| Home insurance premium | $2,864 - 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)