Home Insurance in Bouton, Iowa
With a median home value of $113,900, Bouton is 68% lower than the Dallas County median.
The typical home in Bouton was built around 1942. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 46 points above Dallas County's 13%.
The housing stock in Bouton is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Bouton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bouton has an owner-occupancy rate of 60% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Bouton - 72% - 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.
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.
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 | $113,900 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)