Home Insurance in Morley, Iowa
Homes in Morley carry a median value of $83,800 - 55% lower than the Jones County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Morley was built in 1939 or earlier. About 58% of homes were built before 1960, about 15 points above Jones County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Morley is 85% single-family homes and 15% mobile or manufactured homes.
In Morley, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Morley has an owner-occupancy rate of 95% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
In Morley, 86% of homes are primarily heated with natural gas.
Jones County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Jones County had 57 active NFIP flood policies as of September 2026. See the full Jones County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $83,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Jones County | 57 |
| 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)