Home Insurance in Crescent, Iowa
The median home value in Crescent is $283,900, 45% higher than the Pottawattamie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Crescent was built around 1979. About 13% of homes were built before 1960, about 30 points below Pottawattamie County's 43%.
In Crescent, the housing stock is 100% single-family homes.
About 61% of owner-occupied homes in Crescent have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in Crescent are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Crescent are primarily heated with natural gas.
Pottawattamie County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Pottawattamie County had 657 active NFIP flood policies as of September 2026. See the full Pottawattamie 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 | $283,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 97% |
| 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)