Home Insurance in College Springs, Iowa
Homes in College Springs carry a median value of $76,300 - 39% lower than the Page County median.
The median home in College Springs was built in 1939 or earlier. About 88% of homes were built before 1960, about 32 points above Page County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In College Springs, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
About 58% of owner-occupied homes in College Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
College Springs has an owner-occupancy rate of 96% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
52% of homes in College Springs are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near College Springs? FEMA's National Risk Index points to hail (Relatively Moderate) in Page County and Page County had 7 active NFIP flood policies as of September 2026. See the full Page 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 | $76,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Page County | 7 |
| 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)