Home Insurance in St. Lucas, Iowa
Homes in St. Lucas carry a median value of $134,400 - close to the Fayette County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Lucas was built around 1958. About 55% of homes were built before 1960, about 1 point below Fayette County's 56%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Lucas is 96% single-family homes and 4% mobile or manufactured homes.
53% of owner-occupied homes in St. Lucas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Lucas has an owner-occupancy rate of 96% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in St. Lucas - 69% - are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $134,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)