Home Insurance in Jasper County, Iowa
Homes in Jasper County carry a median value of $186,300 - 10% lower than the Iowa median.
The typical home in Jasper County was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 5 points above Iowa's 38%.
The housing stock in Jasper County is 80% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jasper County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Jasper County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Jasper County - 56% - are primarily heated with natural gas.
The top hazards for Jasper County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), hail (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Jasper County has 34 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $186,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 34 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Baxter
- Colfax
- Kellogg
- Lambs Grove
- Lynnville
- Mingo
- Monroe
- Newton
- Oakland Acres
- Prairie City
- Reasnor
- Sully
- Valeria
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)