Home Insurance in St. Donatus, Iowa
With a median home value of $203,300, St. Donatus is 16% higher than the Jackson County median.
The typical home in St. Donatus was built around 1964. About 46% of homes were built before 1960, about 5 points above Jackson County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in St. Donatus is 90% single-family homes. The rest are 2-4 unit or other housing types.
In St. Donatus, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in St. Donatus are owner-occupied.
In St. Donatus, 72% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jackson County had 30 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Jackson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $203,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)