Home Insurance in Dysart, Iowa
With a median home value of $158,300, Dysart is 7% higher than the Tama County median.
The typical home in Dysart was built around 1951. About 61% of homes were built before 1960, about 8 points above Tama County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Dysart, the housing stock is 86% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Dysart carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dysart has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Dysart - 85% - are primarily heated with natural gas.
FEMA rates Tama County's overall risk as Relatively Low, led by strong wind (Relatively High). Tama County had 43 active NFIP flood policies as of September 2026. See the full Tama 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 | $158,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Tama County | 43 |
| 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)