Home Insurance in Atlantic, Iowa
Homes in Atlantic carry a median value of $149,900 - close to the Cass County median.
The typical home in Atlantic was built around 1959. About 51% of homes were built before 1960, about 4 points below Cass County's 55%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Atlantic, the housing stock is 74% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 61% of owner-occupied homes in Atlantic have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Atlantic has an owner-occupancy rate of 63% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Atlantic, 70% of homes are primarily heated with natural gas.
FEMA rates Cass County's overall risk as Relatively Low, led by hail (Relatively Moderate). Cass County had 26 active NFIP flood policies as of September 2026. See the full Cass 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 | $149,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cass County | 26 |
| 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)