Home Insurance in Delhi, Iowa
The median home value in Delhi is $170,100, close to the Delaware County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Delhi was built around 1974. About 29% of homes were built before 1960, about 15 points below Delaware County's 44%.
In Delhi, the housing stock is 88% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in Delhi have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Delhi are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Delhi - 83% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Delhi? 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 | $170,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)