Home Insurance in Waukee, Iowa
The median home value in Waukee is $350,500, close to the Dallas County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Waukee was built around 2011. About 4% of homes were built before 1960, about 9 points below Dallas County's 13%.
Housing in Waukee breaks down to 69% single-family homes, 23% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 77% of owner-occupied homes in Waukee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waukee has an owner-occupancy rate of 67% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Waukee, 66% of homes are primarily heated with natural gas.
Dallas County had 91 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). 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 | $350,500 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)