Home Insurance in Newton, Iowa
The median home value in Newton is $153,700, 17% lower than the Jasper County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Newton was built around 1963. About 44% of homes were built before 1960, in line with Jasper County (43%).
Housing in Newton breaks down to 71% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Newton, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Newton has an owner-occupancy rate of 62% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
72% of homes in Newton are primarily heated with natural gas.
Jasper County had 34 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Jasper 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 | $153,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)