Home Insurance in Goose Lake, Iowa
Homes in Goose Lake carry a median value of $139,900 - 13% lower than the Clinton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Goose Lake was built around 1971. About 45% of homes were built before 1960, about 8 points below Clinton County's 53%.
Housing in Goose Lake breaks down to 97% single-family homes and 1% mobile or manufactured homes.
In Goose Lake, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Goose Lake has an owner-occupancy rate of 97% and a vacancy rate of 7%; 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. 91% of homes in Goose Lake are primarily heated with propane.
What's the biggest home insurance risk near Goose Lake? FEMA's National Risk Index points to strong wind (Relatively High) in Clinton County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $139,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)