Home Insurance in Atkins, Iowa
Homes in Atkins carry a median value of $314,900 - 51% higher than the Benton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Atkins was built around 2002. About 19% of homes were built before 1960, about 27 points below Benton County's 46%.
The housing stock in Atkins is 93% single-family homes and 2% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Atkins have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Atkins are owner-occupied.
Most homes in Atkins - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near Atkins? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Benton County and Benton County had 80 active NFIP flood policies as of September 2026. See the full Benton 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 | $314,900 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Benton County | 80 |
| 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)