Home Insurance in Cotter, Iowa
The median home value in Cotter is $112,500, 25% lower than the Louisa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cotter was built around 1974. About 39% of homes were built before 1960, about 5 points below Louisa County's 44%.
The housing stock in Cotter is 94% single-family homes.
Almost no owner-occupied homes in Cotter carry a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Cotter are owner-occupied.
Most homes in Cotter - 100% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Louisa County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Louisa County had 125 active NFIP flood policies as of September 2026. See the full Louisa 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 | $112,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Louisa County | 125 |
| 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)