Home Insurance in Council Bluffs, Iowa
With a median home value of $171,800, Council Bluffs is 12% lower than the Pottawattamie County median.
The typical home in Council Bluffs was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 3 points above Pottawattamie County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Council Bluffs is 72% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Council Bluffs, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Council Bluffs has an owner-occupancy rate of 63% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Council Bluffs, 78% of homes are primarily heated with natural gas.
Pottawattamie County had 657 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Pottawattamie 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 | $171,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Pottawattamie County | 657 |
| 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)