Home Insurance in Luxemburg, Iowa
The median home value in Luxemburg is $182,800, 23% lower than the Dubuque County median.
The typical home in Luxemburg was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 3 points above Dubuque County's 37%.
The housing stock in Luxemburg is 100% single-family homes.
45% of owner-occupied homes in Luxemburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 97% of occupied homes in Luxemburg are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Luxemburg, 90% of homes are primarily heated with propane.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $182,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 97% |
| 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)