Home Insurance in Luana, Iowa
Homes in Luana carry a median value of $152,700 - 9% lower than the Clayton 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 Luana was built around 1966. About 44% of homes were built before 1960, about 6 points below Clayton County's 50%.
In Luana, the housing stock is 85% single-family homes and 10% apartments in buildings with 5+ units.
61% of owner-occupied homes in Luana carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Luana are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Luana are primarily heated with natural gas.
Clayton County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Clayton County had 105 active NFIP flood policies as of September 2026. 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 | $152,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)