Home Insurance in Neola, Iowa
Homes in Neola carry a median value of $205,100 - close to the Pottawattamie County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Neola was built around 1947. About 57% of homes were built before 1960, about 15 points above Pottawattamie County's 43%.
In Neola, the housing stock is 92% single-family homes and 1% mobile or manufactured homes.
About 59% of owner-occupied homes in Neola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Neola has an owner-occupancy rate of 75% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Neola, 83% of homes 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 | $205,100 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)