Home Insurance in Muscatine County, Iowa
Homes in Muscatine County carry a median value of $182,100 - 12% lower than the Iowa median.
The typical home in Muscatine County was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 2 points above Iowa's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Muscatine County is 78% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
59% of owner-occupied homes in Muscatine County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Muscatine County has an owner-occupancy rate of 74% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Muscatine County - 70% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Muscatine County's top hazards are hail (Relatively Moderate), strong wind (Relatively High) and winter weather (Relatively Moderate).
As of September 2026, Muscatine County has 149 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $182,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively High), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 149 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)