Home Insurance in Leon, Iowa
Homes in Leon carry a median value of $99,800 - 12% lower than the Decatur County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Leon was built around 1957. About 57% of homes were built before 1960, about 17 points above Decatur County's 40%.
In Leon, the housing stock is 79% single-family homes and 13% apartments in buildings with 5+ units.
44% of owner-occupied homes in Leon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 51% of occupied homes in Leon are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Leon are primarily heated with natural gas.
Decatur County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. 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.
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 | $99,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)