Home Insurance in Middletown, Iowa
The median home value in Middletown is $163,600, 20% higher than the Des Moines County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Middletown was built around 1953. About 54% of homes were built before 1960, about 2 points above Des Moines County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Middletown is 85% single-family homes and 9% mobile or manufactured homes.
59% of owner-occupied homes in Middletown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Middletown are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Middletown, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Middletown? FEMA's National Risk Index points to hail (Relatively Moderate) in Des Moines County and Des Moines County had 181 active NFIP flood policies as of September 2026. See the full Des Moines 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 | $163,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Des Moines County | 181 |
| 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)