Home Insurance in Audubon County, Iowa
Homes in Audubon County carry a median value of $121,900 - 41% lower than the Iowa median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Audubon County was built around 1950. About 64% of homes were built before 1960, about 26 points above Iowa's 38%.
The housing stock in Audubon County is 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Audubon County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Audubon County has an owner-occupancy rate of 76% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Audubon County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Low), tornado (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Audubon County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Audubon County has 4 active NFIP flood policies on file.
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 | $121,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)