Home Insurance in Dawson, Iowa
Homes in Dawson carry a median value of $92,500 - 74% lower than the Dallas County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Dawson was built in 1939 or earlier. About 84% of homes were built before 1960, about 71 points above Dallas County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dawson is 89% single-family homes and 11% mobile or manufactured homes.
About 69% of owner-occupied homes in Dawson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Dawson are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dawson, 93% of homes are primarily heated with propane.
FEMA rates Dallas County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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 | $92,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)