Home Insurance in Muscatine, Iowa
Homes in Muscatine carry a median value of $153,600 - 16% lower than the Muscatine County median.
The typical home in Muscatine was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 7 points above Muscatine County's 40%.
In Muscatine, the housing stock is 74% single-family homes, 10% apartments in buildings with 5+ units and 5% 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.
60% of owner-occupied homes in Muscatine carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Muscatine are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Muscatine, 76% of homes are primarily heated with natural gas.
Muscatine County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Muscatine County had 149 active NFIP flood policies as of September 2026. See the full Muscatine 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 | $153,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Muscatine County | 149 |
| 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)