Home Insurance in Keystone, Iowa
Homes in Keystone carry a median value of $148,400 - 29% lower than the Benton County median.
The typical home in Keystone was built around 1941. About 64% of homes were built before 1960, about 17 points above Benton County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Keystone breaks down to 88% single-family homes and 5% apartments in buildings with 5+ units.
In Keystone, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Keystone has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
69% of homes in Keystone are primarily heated with natural gas.
FEMA rates Benton County's overall risk as Very Low, led by strong wind (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $148,400 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 78% |
| 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)