Home Insurance in Raymond, Iowa
Homes in Raymond carry a median value of $222,600 - 18% higher than the Black Hawk County median.
The typical home in Raymond was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 7 points below Black Hawk County's 41%.
Housing in Raymond breaks down to 97% single-family homes and 1% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in Raymond have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Raymond are owner-occupied.
74% of homes in Raymond are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Black Hawk County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $222,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)