Home Insurance in Wyoming, Iowa
With a median home value of $105,700, Wyoming is 43% lower than the Jones County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wyoming was built around 1953. About 60% of homes were built before 1960, about 18 points above Jones County's 42%.
The housing stock in Wyoming is 82% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Wyoming, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wyoming has an owner-occupancy rate of 88% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
87% of homes in Wyoming are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jones County had 57 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Jones 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 | $105,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)