Home Insurance in Exira, Iowa
With a median home value of $84,700, Exira is 31% lower than the Audubon County median.
The typical home in Exira was built around 1952. About 77% of homes were built before 1960, about 13 points above Audubon County's 64%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Exira breaks down to 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Exira, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Exira has an owner-occupancy rate of 84% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
73% of homes in Exira are primarily heated with natural gas.
What's the biggest home insurance risk near Exira? FEMA's National Risk Index points to hail (Relatively Low) in Audubon County and 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.
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 | $84,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)