Home Insurance in Jackson County, Iowa
Homes in Jackson County carry a median value of $175,000 - 16% lower than the Iowa median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jackson County was built around 1970. About 40% of homes were built before 1960, about 2 points above Iowa's 38%.
In Jackson County, the housing stock is 84% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Jackson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Jackson County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jackson County - 54% - 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, Jackson County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Low).
As of September 2026, Jackson County has 30 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $175,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 30 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Andrew
- Baldwin
- Bellevue
- La Motte
- Maquoketa
- Miles
- Monmouth
- Preston
- Sabula
- Spragueville
- Springbrook
- St. Donatus
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)