Home Insurance in Dallas Center, Iowa
With a median home value of $246,800, Dallas Center is 31% lower than the Dallas County median.
The typical home in Dallas Center was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 22 points above Dallas County's 13%.
In Dallas Center, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Dallas Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dallas Center has an owner-occupancy rate of 83% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
76% of homes in Dallas Center are primarily heated with natural gas.
Dallas County had 91 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). 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 | $246,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)