Home Insurance in Davis City, Iowa
Homes in Davis City carry a median value of $54,300 - 52% lower than the Decatur County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Davis City was built around 1955. About 53% of homes were built before 1960, about 13 points above Decatur County's 40%.
In Davis City, the housing stock is 82% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Davis City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Davis City are owner-occupied.
Most homes in Davis City - 74% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Decatur County's overall risk as Very Low, led by wildfire (Very Low). Decatur County has no active NFIP flood policies on file. See the full Decatur 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 | $54,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Very Low) |
| 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)