Home Insurance in Coralville, Iowa
Homes in Coralville carry a median value of $298,500 - close to the Johnson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coralville was built around 1995. About 9% of homes were built before 1960, about 8 points below Johnson County's 17%.
The housing stock in Coralville is 51% single-family homes, 39% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Coralville, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Coralville are owner-occupied.
Most homes in Coralville - 68% - are primarily heated with natural gas.
Johnson County had 598 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Johnson 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 home value | $298,500 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Johnson County | 598 |
| 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)