Home Insurance in Carlisle, Iowa
The median home value in Carlisle is $234,300, 11% lower than the Polk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carlisle was built around 1975. About 15% of homes were built before 1960, about 13 points below Polk County's 28%.
The housing stock in Carlisle is 85% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
76% of owner-occupied homes in Carlisle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Carlisle are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Carlisle, 76% of homes are primarily heated with natural gas.
Polk County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Polk County had 1,116 active NFIP flood policies as of September 2026. See the full Polk County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $234,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Polk County | 1,116 |
| 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)