Home Insurance in Dyersville, Iowa
With a median home value of $234,100, Dyersville is close to the Dubuque County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dyersville was built around 1975. About 31% of homes were built before 1960, about 6 points below Dubuque County's 37%.
The housing stock in Dyersville is 85% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
53% of owner-occupied homes in Dyersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dyersville has an owner-occupancy rate of 80% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
73% of homes in Dyersville are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dubuque County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $234,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)