Home Insurance in Manilla, Iowa
The median home value in Manilla is $88,300, 43% lower than the Crawford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Manilla was built around 1942. About 64% of homes were built before 1960, about 22 points above Crawford County's 42%.
In Manilla, the housing stock is 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Manilla, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Manilla are owner-occupied.
Most homes in Manilla - 68% - are primarily heated with natural gas.
FEMA rates Crawford County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.
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 | $88,300 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)