Home Insurance in Postville, Iowa
Homes in Postville carry a median value of $104,700 - 39% lower than the Allamakee County median.
The typical home in Postville was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 14 points above Allamakee County's 39%.
The housing stock in Postville is 63% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 51% of owner-occupied homes in Postville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Postville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Postville, 65% of homes are primarily heated with natural gas.
Allamakee County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Allamakee County had 33 active NFIP flood policies as of September 2026. See the full Allamakee 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 | $104,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Allamakee County | 33 |
| 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)