Home Insurance in Garnavillo, Iowa
The median home value in Garnavillo is $123,100, 27% lower than the Clayton County median.
The typical home in Garnavillo was built around 1958. About 51% of homes were built before 1960, about 1 point above Clayton County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Garnavillo, the housing stock is 87% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Garnavillo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Garnavillo has an owner-occupancy rate of 84% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Garnavillo - 74% - are primarily heated with natural gas.
Clayton County had 105 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Clayton 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 | $123,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clayton County | 105 |
| 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)