Home Insurance in Elk Run Heights, Iowa
With a median home value of $171,200, Elk Run Heights is 9% lower than the Black Hawk County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Elk Run Heights was built around 1959. About 55% of homes were built before 1960, about 13 points above Black Hawk County's 41%.
The housing stock in Elk Run Heights is 97% single-family homes.
56% of owner-occupied homes in Elk Run Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Elk Run Heights has an owner-occupancy rate of 93% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Elk Run Heights - 84% - 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.
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 | $171,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 93% |
| 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)