Home Insurance in Donahue, Iowa
With a median home value of $200,700, Donahue is 10% lower than the Scott County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Donahue was built around 1970. About 27% of homes were built before 1960, about 5 points below Scott County's 32%.
The housing stock in Donahue is 97% single-family homes and 1% mobile or manufactured homes.
In Donahue, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Donahue are owner-occupied.
In Donahue, 81% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Donahue? FEMA's National Risk Index points to strong wind (Relatively High) in Scott County and Scott County had 688 active NFIP flood policies as of September 2026. See the full Scott 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 | $200,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Scott County | 688 |
| 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)