Home Insurance in Grand Mound, Iowa
With a median home value of $145,200, Grand Mound is 10% lower than the Clinton County median.
The typical home in Grand Mound was built around 1943. About 63% of homes were built before 1960, about 10 points above Clinton County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Grand Mound is 91% single-family homes and 3% apartments in buildings with 5+ units.
In Grand Mound, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Grand Mound are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Grand Mound - 68% - are primarily heated with natural gas.
Clinton County had 151 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $145,200 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)