Home Insurance in Coon Rapids, Iowa
Homes in Coon Rapids carry a median value of $134,100 - 24% lower than the Carroll County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coon Rapids was built around 1943. About 70% of homes were built before 1960, about 25 points above Carroll County's 45%.
Housing in Coon Rapids breaks down to 89% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Coon Rapids, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Coon Rapids are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Coon Rapids, 85% of homes are primarily heated with natural gas.
Carroll County had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Carroll 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 | $134,100 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Carroll County | 20 |
| 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)