Home Insurance in Robins, Iowa
With a median home value of $413,400, Robins is 93% higher than the Linn County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Robins was built around 2003. About 6% of homes were built before 1960, about 21 points below Linn County's 27%.
The housing stock in Robins is 99% single-family homes and 1% apartments in buildings with 5+ units.
In Robins, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Robins has an owner-occupancy rate of 92% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
85% of homes in Robins 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $413,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)