Home Insurance in Wilton, Iowa
Homes in Wilton carry a median value of $189,200 - close to the Muscatine County median.
The typical home in Wilton was built around 1973. About 22% of homes were built before 1960, about 17 points below Muscatine County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Wilton, the housing stock is 75% single-family homes, 12% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Wilton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilton has an owner-occupancy rate of 67% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Wilton - 87% - 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $189,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)