Home Insurance in Dubuque County, Iowa
Homes in Dubuque County carry a median value of $237,300 - 14% higher than the Iowa median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dubuque County was built around 1970. About 37% of homes were built before 1960, in line with Iowa (38%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dubuque County is 75% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 62% of owner-occupied homes in Dubuque County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dubuque County has an owner-occupancy rate of 73% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dubuque County - 71% - are primarily heated with natural gas.
The top hazards for Dubuque County, per FEMA's National Risk Index, are hail (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
Dubuque County had 93 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $237,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 93 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Asbury
- Balltown
- Bankston
- Bernard
- Cascade
- Centralia
- Dubuque
- Durango
- Dyersville
- Epworth
- Farley
- Graf
- Holy Cross
- Luxemburg
- New Vienna
- Peosta
- Rickardsville
- Sageville
- Sherrill
- Worthington
- Zwingle
Sources
- 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)