Home Insurance in Henry County, Iowa
Homes in Henry County carry a median value of $164,300 - 21% lower than the Iowa median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Henry County was built around 1968. About 41% of homes were built before 1960, about 3 points above Iowa's 38%.
The housing stock in Henry County is 80% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Henry County, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Henry County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Henry County - 53% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Henry County's top hazards are strong wind (Relatively Moderate), hail (Relatively Moderate) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Henry County has 1 active NFIP flood policy on file.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $164,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)