Home Insurance in Oakland Acres, Iowa
The median home value in Oakland Acres is $256,300, 38% higher than the Jasper County median.
The typical home in Oakland Acres was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 41 points below Jasper County's 43%.
Housing in Oakland Acres breaks down to 100% single-family homes.
72% of owner-occupied homes in Oakland Acres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oakland Acres has an owner-occupancy rate of 98% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Oakland Acres, 61% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jasper County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). 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.
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 | $256,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)