Home Insurance in Manchester, Iowa
Homes in Manchester carry a median value of $139,400 - 22% lower than the Delaware County median.
The typical home in Manchester was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 11 points above Delaware County's 44%.
Housing in Manchester breaks down to 77% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 53% of owner-occupied homes in Manchester have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Manchester has an owner-occupancy rate of 66% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Manchester - 83% - 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 | $139,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)