Home Insurance in La Porte City, Iowa
With a median home value of $163,200, La Porte City is 14% lower than the Black Hawk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in La Porte City was built around 1957. About 54% of homes were built before 1960, about 13 points above Black Hawk County's 41%.
Housing in La Porte City breaks down to 76% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in La Porte City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in La Porte City are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in La Porte City 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.
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 | $163,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)