Home Insurance in Reinbeck, Iowa
Homes in Reinbeck carry a median value of $165,000 - 17% lower than the Grundy County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Reinbeck was built around 1952. About 61% of homes were built before 1960, about 12 points above Grundy County's 48%.
In Reinbeck, the housing stock is 83% single-family homes and 7% apartments in buildings with 5+ units.
In Reinbeck, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Reinbeck has an owner-occupancy rate of 83% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Reinbeck, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Reinbeck? FEMA's National Risk Index points to hail (Relatively Low) in Grundy County and Grundy County had 4 active NFIP flood policies as of September 2026. See the full Grundy 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 | $165,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Grundy County | 4 |
| 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)