Home Insurance in Clinton, Iowa
The median home value in Clinton is $118,200, 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 Clinton was built around 1953. About 59% of homes were built before 1960, about 6 points above Clinton County's 53%.
The housing stock in Clinton is 76% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
59% of owner-occupied homes in Clinton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Clinton are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clinton - 77% - are primarily heated with natural gas.
Clinton County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $118,200 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)