Home Insurance in Van Meter, Iowa
Homes in Van Meter carry a median value of $264,000 - 26% lower than the Dallas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Van Meter was built around 1990. About 18% of homes were built before 1960, about 5 points above Dallas County's 13%.
In Van Meter, the housing stock is 95% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 80% of owner-occupied homes in Van Meter have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in Van Meter are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Van Meter, 72% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $264,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)