Home Insurance in Centralia, Iowa
With a median home value of $223,100, Centralia is 6% lower than the Dubuque County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Centralia was built around 1976. About 24% of homes were built before 1960, about 13 points below Dubuque County's 37%.
In Centralia, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Centralia, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Centralia are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Centralia, 76% of homes are primarily heated with propane.
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.
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 | $223,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)