Home Insurance in Andover, Iowa
The median home value in Andover is $118,800, 26% lower than the Clinton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Andover was built around 1965. About 48% of homes were built before 1960, about 5 points below Clinton County's 53%.
Housing in Andover breaks down to 100% single-family homes.
52% of owner-occupied homes in Andover carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Andover has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 93% of homes in Andover are primarily heated with propane.
FEMA rates Clinton County's overall risk as Relatively Low, led by strong wind (Relatively High). Clinton County had 151 active NFIP flood policies as of September 2026. See the full Clinton 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 | $118,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Clinton County | 151 |
| 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)