Home Insurance in Auburn, Iowa
Homes in Auburn carry a median value of $96,700 - 32% lower than the Sac County median.
The typical home in Auburn was built around 1945. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 72% of homes were built before 1960, about 19 points above Sac County's 54%.
Housing in Auburn breaks down to 89% single-family homes and 7% apartments in buildings with 5+ units.
56% of owner-occupied homes in Auburn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Auburn are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Auburn - 68% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Sac County's overall risk as Very Low, led by hail (Relatively Moderate). Sac County had 4 active NFIP flood policies as of September 2026. See the full Sac 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 | $96,700 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sac County | 4 |
| 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)