Home Insurance in Durant, Iowa
With a median home value of $194,300, Durant is 8% lower than the Cedar County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Durant was built around 1966. About 43% of homes were built before 1960, about 4 points below Cedar County's 47%.
In Durant, the housing stock is 83% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
67% of owner-occupied homes in Durant carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Durant are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Durant are primarily heated with natural gas.
Cedar County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Cedar 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 | $194,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Cedar County | 42 |
| 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)