Home Insurance in Clinton County, Iowa
Homes in Clinton County carry a median value of $160,600 - 23% lower than the Iowa median.
The typical home in Clinton County was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 15 points above Iowa's 38%.
The housing stock in Clinton County is 81% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Clinton County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Clinton County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clinton County - 63% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Clinton County.
Clinton County had 151 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $160,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 151 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Andover
- Charlotte
- Clinton
- DeWitt
- Delmar
- Goose Lake
- Grand Mound
- Lost Nation
- Low Moor
- Toronto
- Welton
- Wheatland
Smaller communities
-
Calamus
- Median home value: $148,100
- Median year built: 1953
- Owner-occupied share: 91%
-
Camanche
- Median home value: $172,400
- Median year built: 1972
- Owner-occupied share: 75%
Sources
- 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)