Home Insurance in Quasqueton, Iowa
With a median home value of $145,800, Quasqueton is 17% lower than the Buchanan County median.
The typical home in Quasqueton was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 5 points below Buchanan County's 36%.
In Quasqueton, the housing stock is 79% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Quasqueton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Quasqueton has an owner-occupancy rate of 87% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Quasqueton, 76% of homes are primarily heated with natural gas.
FEMA rates Buchanan County's overall risk as Very Low, led by hail (Relatively Moderate). 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.
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 | $145,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)