Home Insurance in University Heights, Iowa
The median home value in University Heights is $429,900, 39% higher than the Johnson County median.
The typical home in University Heights was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 19 points above Johnson County's 17%.
The housing stock in University Heights is 56% single-family homes and 43% apartments in buildings with 5+ units.
51% of owner-occupied homes in University Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
University Heights has an owner-occupancy rate of 55% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In University Heights, 59% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near University Heights? FEMA's National Risk Index points to strong wind (Very High) in Johnson County and 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 | $429,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)