Home Insurance in Moulton, Iowa
With a median home value of $81,800, Moulton is 34% lower than the Appanoose County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Moulton was built around 1970. About 40% of homes were built before 1960, about 6 points below Appanoose County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moulton is 70% single-family homes and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Moulton, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Moulton has an owner-occupancy rate of 63% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Moulton - 52% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Appanoose County's overall risk as Very Low, led by tornado (Relatively Moderate). 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.
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 | $81,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)