Home Insurance in Audubon, Iowa
With a median home value of $97,700, Audubon is 20% lower than the Audubon County median.
The typical home in Audubon was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 11 points below Audubon County's 64%.
In Audubon, the housing stock is 88% single-family homes and 5% apartments in buildings with 5+ units.
In Audubon, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Audubon are owner-occupied.
In Audubon, 66% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Audubon County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Audubon County had 4 active NFIP flood policies as of September 2026. See the full Audubon 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 | $97,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Audubon County | 4 |
| 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)