Home Insurance in Hawkeye, Iowa
With a median home value of $84,600, Hawkeye is 38% lower than the Fayette County median.
The typical home in Hawkeye was built around 1945. About 55% of homes were built before 1960, in line with Fayette County (56%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hawkeye, the housing stock is 88% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Hawkeye have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Hawkeye are owner-occupied.
Most homes in Hawkeye - 82% - are primarily heated with natural gas.
FEMA rates Fayette County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $84,600 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)