Home Insurance in Floris, Iowa
The median home value in Floris is $53,300, 67% lower than the Davis County median.
The typical home in Floris was built around 1943. About 56% of homes were built before 1960, about 17 points above Davis County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Floris is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Floris, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Floris are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 88% of homes in Floris are primarily heated with propane.
Davis County has no active NFIP flood policies on file. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Davis 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 | $53,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively Moderate) |
| 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)