Home Insurance in Strawberry Point, Iowa
Homes in Strawberry Point carry a median value of $114,700 - 32% lower than the Clayton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Strawberry Point was built around 1954. About 54% of homes were built before 1960, about 4 points above Clayton County's 50%.
The housing stock in Strawberry Point is 76% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
51% of owner-occupied homes in Strawberry Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Strawberry Point has an owner-occupancy rate of 67% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Strawberry Point - 81% - are primarily heated with natural gas.
What's the biggest home insurance risk near Strawberry Point? FEMA's National Risk Index points to hail (Relatively Moderate) in Clayton County and 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 | $114,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)