Home Insurance in Donnellson, Iowa
Homes in Donnellson carry a median value of $147,800 - close to the Lee County median.
The typical home in Donnellson was built around 1965. About 45% of homes were built before 1960, about 5 points below Lee County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Donnellson is 76% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Donnellson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Donnellson has an owner-occupancy rate of 72% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Donnellson - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near Donnellson? FEMA's National Risk Index points to hail (Relatively Moderate) in Lee County and Lee County had 63 active NFIP flood policies as of September 2026. See the full Lee 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 | $147,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Lee County | 63 |
| 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)