Home Insurance in Orient, Iowa
The median home value in Orient is $113,100, 29% lower than the Adair County median.
The typical home in Orient was built around 1952. About 57% of homes were built before 1960, about 5 points above Adair County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Orient, the housing stock is 95% single-family homes and 1% mobile or manufactured homes.
In Orient, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Orient are owner-occupied.
In Orient, 80% of homes are primarily heated with natural gas.
Adair County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Adair County has no active NFIP flood policies on file. See the full Adair 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 | $113,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)