Home Insurance in Arnolds Park, Iowa
The median home value in Arnolds Park is $438,900, 62% higher than the Dickinson County median.
The typical home in Arnolds Park was built around 1997. About 19% of homes were built before 1960, about 9 points below Dickinson County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Arnolds Park, the housing stock is 59% single-family homes, 21% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Arnolds Park, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arnolds Park has an owner-occupancy rate of 91% and a vacancy rate of 68%; unoccupied homes typically need a different coverage form.
In Arnolds Park, 73% of homes are primarily heated with natural gas.
Dickinson County had 29 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Dickinson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $438,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Dickinson County | 29 |
| 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)