Home Insurance in Center Point, Iowa
The median home value in Center Point is $212,400, close to the Linn County median.
The typical home in Center Point was built around 1977. About 37% of homes were built before 1960, about 10 points above Linn County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Center Point is 86% single-family homes and 5% apartments in buildings with 5+ units.
66% of owner-occupied homes in Center Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Center Point are owner-occupied.
Most homes in Center Point - 70% - are primarily heated with natural gas.
Linn County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Linn County had 1,092 active NFIP flood policies as of September 2026. See the full Linn 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 | $212,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Linn County | 1,092 |
| 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)