Home Insurance in Taylor County, Iowa
The median home value in Taylor County is $117,200, 44% lower than the Iowa median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Taylor County was built around 1951. About 57% of homes were built before 1960, about 19 points above Iowa's 38%.
In Taylor County, the housing stock is 90% single-family homes, 3% 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.
About 50% of owner-occupied homes in Taylor County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Taylor County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Taylor County are primarily heated with natural gas.
The top hazards for Taylor County, per FEMA's National Risk Index, are hail (Relatively Low), tornado (Relatively Low) and strong wind (Relatively Low).
Taylor County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $117,200 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Strong Wind (Relatively Low) |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)