Home Insurance in Welton, Iowa
The median home value in Welton is $120,300, 25% lower than the Clinton County median.
The median home in Welton was built in 1939 or earlier. About 81% of homes were built before 1960, about 28 points above Clinton County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Welton breaks down to 96% single-family homes and 2% mobile or manufactured homes.
About 65% of owner-occupied homes in Welton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Welton are owner-occupied.
88% of homes in Welton 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.
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 | $120,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)