Home Insurance in Adair County, Iowa
With a median home value of $160,400, Adair County is 23% lower than the Iowa median.
The typical home in Adair County was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 14 points above Iowa's 38%.
The housing stock in Adair County is 88% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Adair County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Adair County has an owner-occupancy rate of 74% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
49% of homes in Adair County 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.
Per FEMA's National Risk Index, Adair County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Low).
Adair County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $160,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)