Home Insurance in Aspinwall, Iowa
Homes in Aspinwall carry a median value of $85,000 - 45% lower than the Crawford County median.
The typical home in Aspinwall was built around 1943. About 75% of homes were built before 1960, about 33 points above Crawford County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Aspinwall is 96% single-family homes and 4% mobile or manufactured homes.
In Aspinwall, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Aspinwall are owner-occupied.
81% of homes in Aspinwall 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.
What's the biggest home insurance risk near Aspinwall? FEMA's National Risk Index points to tornado (Relatively Moderate) in Crawford County and Crawford County had 21 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $85,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Crawford County | 21 |
| 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)