Home Insurance in Grandview, Iowa
The median home value in Grandview is $142,400, 5% lower than the Louisa County median.
The typical home in Grandview was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 5 points below Louisa County's 44%.
In Grandview, the housing stock is 86% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Grandview have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grandview has an owner-occupancy rate of 88% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Grandview, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Grandview? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Louisa County and 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.
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 | $142,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)