Home Insurance in Exline, Iowa
Homes in Exline carry a median value of $85,600 - 31% lower than the Appanoose County median.
The median home in Exline was built in 1939 or earlier. About 67% of homes were built before 1960, about 20 points above Appanoose County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Exline, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Exline have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Exline are owner-occupied.
In Exline, 45% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Exline? FEMA's National Risk Index points to tornado (Relatively Moderate) in Appanoose County and Appanoose County had 6 active NFIP flood policies as of September 2026. See the full Appanoose 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 | $85,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Appanoose County | 6 |
| 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)