Home Insurance in Mitchellville, Iowa
Homes in Mitchellville carry a median value of $206,600 - 21% lower than the Polk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mitchellville was built around 1965. About 39% of homes were built before 1960, about 11 points above Polk County's 28%.
Housing in Mitchellville breaks down to 82% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Mitchellville, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Mitchellville are owner-occupied.
71% of homes in Mitchellville are primarily heated with natural gas.
What's the biggest home insurance risk near Mitchellville? 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.
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 | $206,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)