Home Insurance in Granger, Iowa
Homes in Granger carry a median value of $329,400 - 7% lower than the Dallas County median.
The typical home in Granger was built around 2007. About 15% of homes were built before 1960, about 2 points above Dallas County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Granger breaks down to 90% single-family homes and 8% apartments in buildings with 5+ units.
About 78% of owner-occupied homes in Granger have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Granger has an owner-occupancy rate of 81% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Granger, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Granger? 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 | $329,400 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 81% |
| 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)