Home Insurance in Graf, Iowa
With a median home value of $187,500, Graf is 21% lower than the Dubuque County median.
The typical home in Graf was built around 1973. About 39% of homes were built before 1960, about 2 points above Dubuque County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Graf, the housing stock is 94% single-family homes.
In Graf, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Graf are owner-occupied.
Most homes in Graf - 72% - 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.
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 | $187,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)