Home Insurance in Durango, Iowa
The median home value in Durango is $275,000, 16% higher than the Dubuque County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Durango was built around 1963. About 40% of homes were built before 1960, about 3 points above Dubuque County's 37%.
Housing in Durango breaks down to 80% single-family homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Durango carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Durango are owner-occupied.
Most homes in Durango - 70% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Durango? FEMA's National Risk Index points to hail (Relatively Moderate) in Dubuque County and Dubuque County had 93 active NFIP flood policies as of September 2026. 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 | $275,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)