Home Insurance in Evansdale, Iowa
Homes in Evansdale carry a median value of $150,300 - 20% lower than the Black Hawk County median.
The typical home in Evansdale was built around 1959. About 53% of homes were built before 1960, about 11 points above Black Hawk County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Evansdale breaks down to 85% single-family homes and 9% apartments in buildings with 5+ units.
In Evansdale, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Evansdale has an owner-occupancy rate of 61% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Evansdale, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Evansdale? FEMA's National Risk Index points to strong wind (Relatively High) in Black Hawk County and 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 | $150,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)