Home Insurance in Yorktown, Iowa
The median home value in Yorktown is $76,100, 39% lower than the Page County median.
The typical home in Yorktown was built around 1945. About 86% of homes were built before 1960, about 31 points above Page County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Yorktown is 100% single-family homes.
65% of owner-occupied homes in Yorktown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Yorktown are owner-occupied.
Most homes in Yorktown - 91% - are primarily heated with propane. Homes heated with propane 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 Yorktown? 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.
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 | $76,100 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)