Home Insurance in Colesburg, Iowa
The median home value in Colesburg is $117,100, 34% lower than the Delaware County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Colesburg was built around 1959. About 51% of homes were built before 1960, about 7 points above Delaware County's 44%.
The housing stock in Colesburg is 87% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 42% of owner-occupied homes in Colesburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Colesburg are owner-occupied.
Most homes in Colesburg - 79% - are primarily heated with natural gas.
What's the biggest home insurance risk near Colesburg? FEMA's National Risk Index points to hail (Relatively Moderate) in Delaware County and Delaware County had 83 active NFIP flood policies as of September 2026. See the full Delaware 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 | $117,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Delaware County | 83 |
| 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)