Home Insurance in Farley, Iowa
Homes in Farley carry a median value of $266,000 - 12% higher than the Dubuque County median.
The typical home in Farley was built around 1978. About 28% of homes were built before 1960, about 9 points below Dubuque County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Farley, the housing stock is 77% single-family homes and 14% apartments in buildings with 5+ units.
About 54% of owner-occupied homes in Farley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Farley has an owner-occupancy rate of 74% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
78% of homes in Farley are primarily heated with natural gas.
FEMA rates Dubuque County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $266,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)