Home Insurance in Perry, Iowa
With a median home value of $121,400, Perry is 66% lower than the Dallas County median.
The typical home in Perry was built around 1961. About 49% of homes were built before 1960, about 36 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 Perry, the housing stock is 75% single-family homes, 12% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Perry, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Perry has an owner-occupancy rate of 64% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Perry - 81% - are primarily heated with natural gas.
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 | $121,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)