Home Insurance in Greene County, Iowa
Homes in Greene County carry a median value of $155,400 - 25% lower than the Iowa median.
The typical home in Greene County was built around 1954. About 57% of homes were built before 1960, about 19 points above Iowa's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Greene County, the housing stock is 86% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Greene County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Greene County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Greene County are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively Moderate), hail (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Greene County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Greene County has 2 active NFIP flood policies on file.
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 | $155,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
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)