Home Insurance in DeWitt, Iowa
The median home value in DeWitt is $237,100, 48% higher than the Clinton County median.
The typical home in DeWitt was built around 1973. About 36% of homes were built before 1960, about 17 points below Clinton County's 53%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In DeWitt, the housing stock is 80% single-family homes and 11% apartments in buildings with 5+ units.
58% of owner-occupied homes in DeWitt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
DeWitt has an owner-occupancy rate of 79% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In DeWitt, 74% of homes are primarily heated with natural gas.
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 | $237,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)