Home Insurance in Linn County, Iowa
With a median home value of $214,300, Linn County is close to the Iowa median.
The typical home in Linn County was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 11 points below Iowa's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Linn County is 72% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Linn County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Linn County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Linn County, 74% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Linn County's top hazards are strong wind (Very High), hail (Relatively High) and tornado (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Linn County has 1,092 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $214,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Hail (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 1,092 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alburnett
- Bertram
- Cedar Rapids
- Center Point
- Central City
- Coggon
- Ely
- Fairfax
- Hiawatha
- Lisbon
- Marion
- Mount Vernon
- Palo
- Prairieburg
- Robins
- Springville
- Walford
- Walker
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)