Home Insurance in De Soto, Iowa
The median home value in De Soto is $227,700, 36% lower than the Dallas County median.
The typical home in De Soto was built around 1976. About 19% of homes were built before 1960, about 5 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 De Soto, the housing stock is 91% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In De Soto, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
De Soto has an owner-occupancy rate of 85% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in De Soto - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near De Soto? FEMA's National Risk Index points to tornado (Relatively Moderate) in Dallas County and 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 | $227,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)