Home Insurance in Johnson County, Iowa
The median home value in Johnson County is $308,600, 48% higher than the Iowa median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Johnson County was built around 1992. About 17% of homes were built before 1960, about 21 points below Iowa's 38%.
In Johnson County, the housing stock is 60% single-family homes, 31% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Johnson County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Johnson County has an owner-occupancy rate of 59% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
63% of homes in Johnson County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Very High), tornado (Relatively High) and hail (Relatively High) as the leading hazards for Johnson County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Johnson County has 598 active NFIP flood policies on file.
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 | $308,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Relatively High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 598 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Coralville
- Hills
- Iowa City
- Lone Tree
- North Liberty
- Oxford
- Shueyville
- Solon
- Swisher
- Tiffin
- University Heights
Sources
- 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)