Home Insurance in Waukon, Iowa
With a median home value of $147,200, Waukon is 15% lower than the Allamakee County median.
The typical home in Waukon was built around 1962. About 46% of homes were built before 1960, about 7 points above Allamakee County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Waukon is 73% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Waukon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waukon has an owner-occupancy rate of 77% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Waukon - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Waukon? FEMA's National Risk Index points to hail (Relatively Moderate) in Allamakee County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $147,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 77% |
| 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)