Home Insurance in North Buena Vista, Iowa
With a median home value of $109,400, North Buena Vista is 35% lower than the Clayton County median.
The typical home in North Buena Vista was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 11 points below Clayton County's 50%.
The housing stock in North Buena Vista is 54% single-family homes, 4% apartments in buildings with 5+ units and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in North Buena Vista carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
North Buena Vista has an owner-occupancy rate of 80% and a vacancy rate of 54%; unoccupied homes typically need a different coverage form.
52% of homes in North Buena Vista are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $109,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)