Home Insurance in Arlington, Iowa
With a median home value of $112,000, Arlington is 18% lower than the Fayette County median.
The typical home in Arlington was built around 1952. About 52% of homes were built before 1960, about 3 points below Fayette County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arlington is 83% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Arlington, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arlington has an owner-occupancy rate of 89% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Arlington - 85% - 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.
Fayette County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Fayette County had 46 active NFIP flood policies as of September 2026. See the full Fayette County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $112,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Fayette County | 46 |
| 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)