Home Insurance in Dunlap, Iowa
The median home value in Dunlap is $139,900, 21% lower than the Harrison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dunlap was built around 1956. About 54% of homes were built before 1960, in line with Harrison County (53%).
Housing in Dunlap breaks down to 84% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Dunlap, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dunlap has an owner-occupancy rate of 67% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Dunlap - 60% - are primarily heated with natural gas.
Harrison County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Harrison County had 211 active NFIP flood policies as of September 2026. See the full Harrison 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 | $139,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Harrison County | 211 |
| 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)