Home Insurance in St. Paul, Iowa
With a median home value of $140,600, St. Paul is close to the Lee County median.
The typical home in St. Paul was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 19 points below Lee County's 50%.
Housing in St. Paul breaks down to 71% single-family homes. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in St. Paul have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in St. Paul are owner-occupied.
74% of homes in St. Paul 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.
Lee County had 63 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $140,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)