Home Insurance in Nashua, Iowa
The median home value in Nashua is $129,600, 29% lower than the Chickasaw County median.
The typical home in Nashua was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 2 points above Chickasaw County's 45%.
The housing stock in Nashua is 87% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Nashua, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nashua has an owner-occupancy rate of 81% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
66% of homes in Nashua are primarily heated with natural gas.
What's the biggest home insurance risk near Nashua? FEMA's National Risk Index points to hail (Relatively Moderate) in Chickasaw County and Chickasaw County had 40 active NFIP flood policies as of September 2026. See the full Chickasaw 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 | $129,600 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Chickasaw County | 40 |
| 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)