Home Insurance in Newhall, Iowa
The median home value in Newhall is $186,300, 11% lower than the Benton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Newhall was built around 1966. About 41% of homes were built before 1960, about 6 points below Benton County's 46%.
Housing in Newhall breaks down to 90% single-family homes and 2% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Newhall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Newhall are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Newhall - 70% - 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.
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 | $186,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)