Home Insurance in Keokuk County, Iowa
With a median home value of $118,700, Keokuk County is 43% lower than the Iowa median.
The typical home in Keokuk County was built around 1950. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 19 points above Iowa's 38%.
The housing stock in Keokuk County is 89% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Keokuk County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Keokuk County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
37% of homes in Keokuk County 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.
Per FEMA's National Risk Index, Keokuk County's top hazards are hail (Relatively Low), strong wind (Relatively Moderate) and wildfire (Very Low).
As of September 2026, Keokuk County has 5 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $118,700 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Strong Wind (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Delta
- Gibson
- Harper
- Hayesville
- Hedrick
- Keota
- Keswick
- Kinross
- Martinsburg
- Ollie
- Richland
- Sigourney
- South English
- Thornburg
- Webster
- What Cheer
Sources
- 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)