Home Insurance in Treynor, Iowa
Homes in Treynor carry a median value of $263,500 - 35% higher than the Pottawattamie County median.
The typical home in Treynor was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 16 points below Pottawattamie County's 43%.
In Treynor, the housing stock is 94% single-family homes and 2% apartments in buildings with 5+ units.
68% of owner-occupied homes in Treynor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Treynor has an owner-occupancy rate of 80% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Treynor, 82% of homes are primarily heated with natural gas.
FEMA rates Pottawattamie County's overall risk as Relatively Low, led by hail (Relatively High). 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.
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 | $263,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)