Home Insurance in Creston, Iowa
With a median home value of $114,500, Creston is 6% lower than the Union County median.
The typical home in Creston was built around 1961. About 49% of homes were built before 1960, in line with Union County (48%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Creston is 73% single-family homes, 13% apartments in buildings with 5+ units and 4% 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.
52% of owner-occupied homes in Creston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Creston has an owner-occupancy rate of 64% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Creston, 60% of homes are primarily heated with natural gas.
FEMA rates Union County's overall risk as Relatively Low, led by hail (Relatively Moderate). Union County had 14 active NFIP flood policies as of September 2026. See the full Union 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 | $114,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)