Home Insurance in Beacon, Iowa
With a median home value of $77,900, Beacon is 51% lower than the Mahaska County median.
The typical home in Beacon was built around 1978. About 20% of homes were built before 1960, about 27 points below Mahaska County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beacon is 60% single-family homes and 40% mobile or manufactured homes.
32% of owner-occupied homes in Beacon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Beacon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Beacon, 73% of homes are primarily heated with natural gas.
Mahaska County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Mahaska County had 15 active NFIP flood policies as of September 2026. See the full Mahaska 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 | $77,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mahaska County | 15 |
| 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)