Home Insurance in Holy Cross, Iowa
The median home value in Holy Cross is $192,400, 19% lower than the Dubuque County median.
The typical home in Holy Cross was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 3 points below Dubuque County's 37%.
The housing stock in Holy Cross is 74% single-family homes and 23% apartments in buildings with 5+ units.
In Holy Cross, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Holy Cross are owner-occupied.
Most homes in Holy Cross - 62% - are primarily heated with propane. Homes heated with propane 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 Holy Cross? 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.
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 | $192,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)