Home Insurance in Earlville, Iowa
With a median home value of $161,400, Earlville is 9% lower than the Delaware County median.
The typical home in Earlville was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 6 points above Delaware County's 44%.
Housing in Earlville breaks down to 89% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
63% of owner-occupied homes in Earlville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Earlville are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
93% of homes in Earlville are primarily heated with natural gas.
Delaware County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $161,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)