Home Insurance in Manning, Iowa
The median home value in Manning is $120,500, 32% lower than the Carroll County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Manning was built around 1949. About 59% of homes were built before 1960, about 14 points above Carroll County's 45%.
The housing stock in Manning is 86% single-family homes and 8% apartments in buildings with 5+ units.
58% of owner-occupied homes in Manning carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Manning are owner-occupied.
79% of homes in Manning are primarily heated with natural gas.
What's the biggest home insurance risk near Manning? FEMA's National Risk Index points to hail (Relatively High) in Carroll County and Carroll County had 20 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $120,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)