Home Insurance in McIntire, Iowa
The median home value in McIntire is $55,000, 69% lower than the Mitchell County median.
The median home in McIntire was built in 1939 or earlier. About 72% of homes were built before 1960, about 19 points above Mitchell County's 52%. 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 McIntire is 85% single-family homes and 7% mobile or manufactured homes.
About 18% of owner-occupied homes in McIntire have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
McIntire has an owner-occupancy rate of 89% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
96% of homes in McIntire are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Mitchell County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Mitchell County had 12 active NFIP flood policies as of September 2026. See the full Mitchell 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 | $55,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Mitchell County | 12 |
| 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)