Home Insurance in Mingo, Iowa
With a median home value of $144,300, Mingo is 23% lower than the Jasper County median.
The typical home in Mingo was built around 1970. About 36% of homes were built before 1960, about 7 points below Jasper County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Mingo, the housing stock is 74% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
64% of owner-occupied homes in Mingo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Mingo are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Mingo are primarily heated with natural gas.
Jasper County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Jasper County had 34 active NFIP flood policies as of September 2026. See the full Jasper 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 | $144,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Jasper County | 34 |
| 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)