Home Insurance in Dallas County, Iowa
With a median home value of $355,600, Dallas County is 71% higher than the Iowa median.
The typical home in Dallas County was built around 2006. About 13% of homes were built before 1960, about 25 points below Iowa's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Dallas County is 73% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Dallas County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Dallas County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Dallas County 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.
FEMA's National Risk Index lists tornado (Relatively Moderate), hail (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Dallas County.
As of September 2026, Dallas County has 91 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $355,600 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 91 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adel
- Bouton
- Dallas Center
- Dawson
- De Soto
- Dexter
- Granger
- Linden
- Minburn
- Perry
- Redfield
- Van Meter
- Waukee
- Woodward
Sources
- 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)