Home Insurance in North Liberty, Iowa
Homes in North Liberty carry a median value of $303,800 - close to the Johnson County median.
The typical home in North Liberty was built around 2004. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 14 points below Johnson County's 17%.
In North Liberty, the housing stock is 72% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 77% of owner-occupied homes in North Liberty have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
North Liberty has an owner-occupancy rate of 67% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
70% of homes in North Liberty are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Johnson County had 598 active NFIP flood policies as of September 2026. See the full Johnson 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 | $303,800 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)