Home Insurance in Oakville, Iowa
The median home value in Oakville is $77,500, 48% lower than the Louisa County median.
The typical home in Oakville was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 1 point above Louisa County's 44%.
In Oakville, the housing stock is 80% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Oakville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Oakville are owner-occupied.
Most homes in Oakville - 82% - are primarily heated with natural gas.
FEMA rates Louisa County's overall risk as Very Low, led by strong wind (Relatively Moderate). 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 | $77,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)