Home Insurance in Belle Plaine, Iowa
The median home value in Belle Plaine is $113,900, 45% lower than the Benton County median.
The typical home in Belle Plaine was built around 1945. About 64% of homes were built before 1960, about 18 points above Benton County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Belle Plaine, the housing stock is 90% single-family homes and 5% apartments in buildings with 5+ units.
56% of owner-occupied homes in Belle Plaine carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Belle Plaine has an owner-occupancy rate of 80% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Belle Plaine, 79% of homes are primarily heated with natural gas.
Benton County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $113,900 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)