Home Insurance in Adel, Iowa
The median home value in Adel is $327,900, 8% lower than the Dallas County median.
The typical home in Adel was built around 1992. About 25% of homes were built before 1960, about 12 points above Dallas County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Adel, the housing stock is 77% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
78% of owner-occupied homes in Adel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Adel are owner-occupied.
In Adel, 68% of homes are primarily heated with natural gas.
Dallas County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Dallas County had 91 active NFIP flood policies as of September 2026. See the full Dallas 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 | $327,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Dallas County | 91 |
| 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)