Home Insurance in Superior, Iowa
The median home value in Superior is $82,900, 69% lower than the Dickinson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Superior was built around 1942. About 69% of homes were built before 1960, about 42 points above Dickinson County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Superior is 96% single-family homes and 4% mobile or manufactured homes.
75% of owner-occupied homes in Superior carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 98% of occupied homes in Superior are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
80% of homes in Superior 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.
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 | $82,900 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)