Home Insurance in Allamakee County, Iowa
With a median home value of $172,300, Allamakee County is 17% lower than the Iowa median.
The typical home in Allamakee County was built around 1972. About 39% of homes were built before 1960, about 1 point above Iowa's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Allamakee County is 76% single-family homes, 6% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Allamakee County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Allamakee County has an owner-occupancy rate of 80% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
37% of homes in Allamakee County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Allamakee County's top hazards are hail (Relatively Moderate), tornado (Relatively Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Allamakee County has 33 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $172,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 33 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
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)