Home Insurance in Andrew, Iowa
The median home value in Andrew is $121,300, 31% lower than the Jackson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Andrew was built in 1939 or earlier. About 59% of homes were built before 1960, about 19 points above Jackson County's 40%.
Housing in Andrew breaks down to 93% single-family homes and 1% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Andrew have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Andrew are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
93% of homes in Andrew are primarily heated with natural gas.
FEMA rates Jackson County's overall risk as Very Low, led by hail (Relatively Moderate). Jackson County had 30 active NFIP flood policies as of September 2026. See the full Jackson 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 | $121,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jackson County | 30 |
| 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)