Home Insurance in Numa, Iowa
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Numa was built in 1939 or earlier. About 72% of homes were built before 1960, about 26 points above Appanoose County's 46%.
The housing stock in Numa is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Numa, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Numa are owner-occupied.
In Numa, 50% of homes are primarily heated with propane. Homes heated with propane and wood 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 Numa? 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)