Home Insurance in Deloit, Iowa
With a median home value of $96,600, Deloit is 37% lower than the Crawford County median.
The typical home in Deloit was built around 1972. About 29% of homes were built before 1960, about 13 points below Crawford County's 42%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Deloit, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Deloit have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Deloit has an owner-occupancy rate of 90% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Deloit are primarily heated with electricity.
Crawford County had 21 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Crawford 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 | $96,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)