Home Insurance in Clive, Iowa
Homes in Clive carry a median value of $401,100 - 53% higher than the Polk County median.
The typical home in Clive was built around 1995. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 21 points below Polk County's 28%.
Housing in Clive breaks down to 76% single-family homes and 23% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Clive have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clive has an owner-occupancy rate of 75% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Clive, 66% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Clive? FEMA's National Risk Index points to strong wind (Very High) in Polk County and 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.
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 | $401,100 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)