Home Insurance in Butler County, Iowa
The median home value in Butler County is $165,400, 20% lower than the Iowa median.
The typical home in Butler County was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 14 points above Iowa's 38%.
Housing in Butler County breaks down to 89% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 58% of owner-occupied homes in Butler County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Butler County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Butler County - 53% - 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.
The top hazards for Butler County, per FEMA's National Risk Index, are winter weather (Relatively Low), hail (Relatively Low) and strong wind (Relatively Moderate).
As of September 2026, Butler County has 128 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $165,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 128 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)