Home Insurance in Mount Vernon, Iowa
Homes in Mount Vernon carry a median value of $245,200 - 14% higher than the Linn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mount Vernon was built around 1972. About 42% of homes were built before 1960, about 15 points above Linn County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mount Vernon is 77% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
67% of owner-occupied homes in Mount Vernon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Mount Vernon are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mount Vernon - 75% - 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.
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 | $245,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)