Home Insurance in Afton, Iowa
Homes in Afton carry a median value of $95,300 - 22% lower than the Union County median.
The typical home in Afton was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 13 points below Union County's 48%.
The housing stock in Afton is 66% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Afton, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Afton has an owner-occupancy rate of 68% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
74% of homes in Afton are primarily heated with natural gas.
Union County had 14 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Union 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 | $95,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Union County | 14 |
| 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)