Home Insurance in Davis County, Iowa
The median home value in Davis County is $161,900, 22% lower than the Iowa median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Davis County was built around 1973. About 39% of homes were built before 1960, about 1 point above Iowa's 38%.
In Davis County, the housing stock is 87% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Davis County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Davis County has an owner-occupancy rate of 83% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
40% of homes in Davis County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Davis County's top hazards are tornado (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Davis County has no active NFIP flood policies on file.
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 | $161,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)