Home Insurance in Toronto, Iowa
With a median home value of $103,100, Toronto is 36% 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 median home in Toronto was built in 1939 or earlier. About 75% of homes were built before 1960, about 22 points above Clinton County's 53%.
The housing stock in Toronto is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Toronto have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Toronto are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Toronto, 80% of homes are primarily heated with propane.
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 | $103,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)