Home Insurance in Adams County, Iowa
Homes in Adams County carry a median value of $131,600 - 37% lower than the Iowa median.
The typical home in Adams County was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 56% of homes were built before 1960, about 18 points above Iowa's 38%.
In Adams County, the housing stock is 84% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Adams County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Adams County are owner-occupied.
In Adams County, 38% of homes 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, Adams County's top hazards are hail (Relatively Low), tornado (Relatively Low) and wildfire (Very Low).
Adams County had 6 active National Flood Insurance Program policies as of September 2026. 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 | $131,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 6 |
| 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)