Home Insurance in Aurora, Iowa
With a median home value of $128,300, Aurora is 27% lower than the Buchanan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Aurora was built in 1939 or earlier. About 70% of homes were built before 1960, about 33 points above Buchanan County's 36%.
In Aurora, the housing stock is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 81% of owner-occupied homes in Aurora have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Aurora are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Aurora are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Buchanan County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Buchanan County had 77 active NFIP flood policies as of September 2026. See the full Buchanan 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 | $128,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buchanan County | 77 |
| 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)