Home Insurance in Chickasaw County, Iowa
The median home value in Chickasaw County is $182,600, 12% lower than the Iowa median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Chickasaw County was built around 1966. About 45% of homes were built before 1960, about 7 points above Iowa's 38%.
The housing stock in Chickasaw County is 87% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
48% of owner-occupied homes in Chickasaw County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Chickasaw County are owner-occupied.
46% of homes in Chickasaw County 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.
The top hazards for Chickasaw County, per FEMA's National Risk Index, are hail (Relatively Moderate), tornado (Relatively Low) and strong wind (Relatively Moderate).
Chickasaw County had 40 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.
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 | $182,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 40 |
| 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)