Home Insurance in Oskaloosa, Iowa
With a median home value of $153,300, Oskaloosa is close to the Mahaska County median.
The typical home in Oskaloosa was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, in line with Mahaska County (47%).
The housing stock in Oskaloosa is 73% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Oskaloosa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oskaloosa has an owner-occupancy rate of 61% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
68% of homes in Oskaloosa are primarily heated with natural gas.
What's the biggest home insurance risk near Oskaloosa? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Mahaska County and 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 | $153,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)