Home Insurance in Morning Sun, Iowa
Homes in Morning Sun carry a median value of $102,200 - 32% lower than the Louisa County median.
The typical home in Morning Sun was built around 1959. About 51% of homes were built before 1960, about 7 points above Louisa County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Morning Sun is 87% single-family homes and 8% mobile or manufactured homes.
About 57% of owner-occupied homes in Morning Sun have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Morning Sun has an owner-occupancy rate of 83% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
87% of homes in Morning Sun are primarily heated with natural gas.
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.
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 | $102,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)