Home Insurance in Lisbon, Iowa
With a median home value of $219,700, Lisbon is close to the Linn County median.
The typical home in Lisbon was built around 1978. About 28% of homes were built before 1960, about 1 point above Linn County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lisbon is 83% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Lisbon, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Lisbon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lisbon - 76% - are primarily heated with natural gas.
Linn County had 1,092 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $219,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)