Home Insurance in Lockridge, Iowa
The typical home in Lockridge was built around 1991. About 33% of homes were built before 1960, about 12 points below Jefferson County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lockridge is 79% single-family homes and 15% mobile or manufactured homes.
59% of owner-occupied homes in Lockridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Lockridge are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Lockridge are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jefferson County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1991 |
|---|---|
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 5 |
| 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)