Home Insurance in Mitchell, Iowa
The median home value in Mitchell is $116,100, 34% lower than the Mitchell County median.
The typical home in Mitchell was built around 1955. About 59% of homes were built before 1960, about 6 points above Mitchell County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mitchell is 96% single-family homes and 4% mobile or manufactured homes.
About 60% of owner-occupied homes in Mitchell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mitchell has an owner-occupancy rate of 100% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Mitchell - 66% - are primarily heated with natural gas.
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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $116,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)