Home Insurance in McCausland, Iowa
The median home value in McCausland is $187,500, 16% 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 McCausland was built around 1964. About 43% of homes were built before 1960, about 10 points above Scott County's 32%.
In McCausland, the housing stock is 99% single-family homes.
61% of owner-occupied homes in McCausland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in McCausland are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in McCausland - 82% - 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.
Scott County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $187,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)