Home Insurance in Scranton, Iowa
With a median home value of $86,300, Scranton is 44% lower than the Greene County median.
The median home in Scranton was built in 1939 or earlier. About 79% of homes were built before 1960, about 22 points above Greene County's 57%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Scranton, the housing stock is 92% single-family homes and 1% apartments in buildings with 5+ units.
In Scranton, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scranton has an owner-occupancy rate of 67% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Scranton, 83% of homes are primarily heated with natural gas.
Greene County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $86,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 67% |
| 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)