Home Insurance in Jefferson, Iowa
With a median home value of $155,800, Jefferson is close to the Greene County median.
The typical home in Jefferson was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 6 points below Greene County's 57%.
The housing stock in Jefferson is 81% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Jefferson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Jefferson are owner-occupied.
In Jefferson, 70% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jefferson? FEMA's National Risk Index points to tornado (Relatively Moderate) in Greene County and Greene County had 2 active NFIP flood policies as of September 2026. See the full Greene 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 | $155,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Greene County | 2 |
| 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)