Home Insurance in Prairie City, Iowa
With a median home value of $190,600, Prairie City is close to the Jasper County median.
The typical home in Prairie City was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 6 points below Jasper County's 43%.
The housing stock in Prairie City is 80% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Prairie City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Prairie City has an owner-occupancy rate of 77% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Prairie City, 75% of homes 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 | $190,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)