Home Insurance in Cass County, Iowa
With a median home value of $150,300, Cass County is 28% lower than the Iowa median.
The typical home in Cass County was built around 1956. About 55% of homes were built before 1960, about 17 points above Iowa's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cass County, the housing stock is 83% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
50% of owner-occupied homes in Cass County 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 72% of occupied homes in Cass County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cass County, 57% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Cass County.
Cass County had 26 active National Flood Insurance Program policies as of September 2026. 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 | $150,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 26 |
| 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)