Home Insurance in Hiawatha, Iowa
The median home value in Hiawatha is $216,900, close to the Linn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hiawatha was built around 1992. About 15% of homes were built before 1960, about 12 points below Linn County's 27%.
The housing stock in Hiawatha is 58% single-family homes, 23% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hiawatha, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hiawatha has an owner-occupancy rate of 67% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Hiawatha - 74% - are primarily heated with natural gas.
FEMA rates Linn County's overall risk as Relatively Moderate, led by strong wind (Very High). 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.
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 | $216,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)