Home Insurance in Bellevue, Iowa
The median home value in Bellevue is $216,500, 24% higher than the Jackson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bellevue was built around 1965. About 45% of homes were built before 1960, about 5 points above Jackson County's 40%.
Housing in Bellevue breaks down to 80% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 52% of owner-occupied homes in Bellevue have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Bellevue are owner-occupied.
In Bellevue, 82% of homes are primarily heated with natural gas.
Jackson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $216,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)