Home Insurance in McGregor, Iowa
The median home value in McGregor is $161,100, close to the Clayton County median.
The typical home in McGregor was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 4 points above Clayton County's 50%.
The housing stock in McGregor is 64% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In McGregor, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McGregor has an owner-occupancy rate of 64% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in McGregor - 68% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $161,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)