Home Insurance in Dunkerton, Iowa
With a median home value of $189,700, Dunkerton is close to the Black Hawk County median.
The typical home in Dunkerton was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 8 points below Black Hawk County's 41%.
The housing stock in Dunkerton is 87% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Dunkerton, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dunkerton has an owner-occupancy rate of 85% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
66% of homes in Dunkerton are primarily heated with natural gas.
FEMA rates Black Hawk County's overall risk as Relatively Low, led by strong wind (Relatively High). Black Hawk County had 568 active NFIP flood policies as of September 2026. See the full Black Hawk 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 | $189,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Black Hawk County | 568 |
| 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)