Home Insurance in Keota, Iowa
Homes in Keota carry a median value of $106,600 - 10% lower than the Keokuk County median.
The typical home in Keota was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 4 points below Keokuk County's 57%.
Housing in Keota breaks down to 92% single-family homes and 1% mobile or manufactured homes.
54% of owner-occupied homes in Keota carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Keota has an owner-occupancy rate of 90% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Keota - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near Keota? FEMA's National Risk Index points to hail (Relatively Low) in Keokuk County and Keokuk County had 5 active NFIP flood policies as of September 2026. See the full Keokuk 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 | $106,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Keokuk County | 5 |
| 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)