Home Insurance in Urbana, Iowa
With a median home value of $228,900, Urbana is 10% 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 Urbana was built around 1994. About 21% of homes were built before 1960, about 25 points below Benton County's 46%.
Housing in Urbana breaks down to 93% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
75% of owner-occupied homes in Urbana carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Urbana has an owner-occupancy rate of 88% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
69% of homes in Urbana are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Benton County had 80 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). 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 | $228,900 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)