Home Insurance in Wheatland, Iowa
With a median home value of $119,100, Wheatland is 26% lower than the Clinton County median.
The median home in Wheatland was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 14 points above Clinton County's 53%.
The housing stock in Wheatland is 89% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Wheatland, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wheatland has an owner-occupancy rate of 84% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Wheatland - 57% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $119,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)