Home Insurance in Asbury, Iowa
With a median home value of $339,000, Asbury is 43% higher than the Dubuque 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 Asbury was built around 2003. About 2% of homes were built before 1960, about 35 points below Dubuque County's 37%.
In Asbury, the housing stock is 95% single-family homes and 2% apartments in buildings with 5+ units.
In Asbury, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Asbury are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Asbury - 80% - are primarily heated with natural gas.
Dubuque County had 93 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Dubuque 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 | $339,000 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dubuque County | 93 |
| 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)