Home Insurance in Lowden, Iowa
Homes in Lowden carry a median value of $119,800 - 43% lower than the Cedar 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 Lowden was built around 1956. About 54% of homes were built before 1960, about 7 points above Cedar County's 47%.
In Lowden, the housing stock is 82% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Lowden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lowden has an owner-occupancy rate of 77% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Lowden - 75% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Cedar County's overall risk as Very Low, led by strong wind (Relatively Moderate). Cedar County had 42 active NFIP flood policies as of September 2026. See the full Cedar County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $119,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)