Home Insurance in Mapleton, Iowa
The median home value in Mapleton is $113,000, 21% lower than the Monona County median.
The typical home in Mapleton was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 2 points below Monona County's 54%.
Housing in Mapleton breaks down to 80% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Mapleton, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mapleton has an owner-occupancy rate of 74% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Mapleton - 68% - are primarily heated with natural gas.
Monona County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Monona County had 38 active NFIP flood policies as of September 2026. See the full Monona 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 | $113,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Monona County | 38 |
| 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)