Home Insurance in Orleans, Iowa
The median home value in Orleans is $573,200, 112% higher than the Dickinson County median.
The typical home in Orleans was built around 1973. About 37% of homes were built before 1960, about 10 points above Dickinson County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Orleans, the housing stock is 94% single-family homes.
About 53% of owner-occupied homes in Orleans have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Orleans are owner-occupied.
Most homes in Orleans - 76% - are primarily heated with natural gas.
Dickinson County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Dickinson County had 29 active NFIP flood policies as of September 2026. See the full Dickinson 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 | $573,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)